Our mission
At Capital on Tap, our mission is to make running a small business as easy as possible. We understand that the day-to-day operations of a business can be challenging, which is why we've developed tools and resources that empower business owners to streamline their operations, access fast funding, and earn rewards.
So, if you're looking for a better way to run or grow your business – whether you’re an electrician wanting to buy supplies for your next job or a consulting company wanting to consolidate your team's spend – join the 200,000 businesses across the UK and the US that have placed their trust in Capital on Tap.
Our history
We began as a small startup in London in 2012 with a vision of revolutionising the way entrepreneurs access finance. Through innovative technology, Capital on Tap has been providing fast funding to small businesses for over ten years, making their dreams become realities.
In 2021, we set our sights overseas and made Atlanta our American home, in partnership with WebBank.
Our business credit card is purpose built for small business owners. It makes it easy to access working capital, issue cards to other directors and employees, integrate with accounting software, and earn best-in-class rewards. Simply put, it makes running a business easier.
Our key milestones
2012
Capital on Tap is founded in London by CEO David Luck with the mission of providing small businesses with access to funding.
2013
As a provider of fixed-term loans for small businesses, we proudly lent to our first customer!
2014
We launched a bespoke underwriting system, allowing for quick applications and funding approvals.
2015
No more weekly repayments! We switched to monthly repayment cycles to make it easier for customers to access funds.
2016
We were absolutely thrilled to release the first version of the Capital on Tap business credit card!
2017
No fees? You got it! We removed all fees across our product portfolio and increased our credit limits to £50,000.
2018
We’ve lent £500 million to our customers! We also launched rewards, giving our customers the ability to earn points and cashback.
2019
The first version of our app was developed and we hit a huge milestone of having lent £1 billion to small businesses.
2020
We set up integrations with a wide range of accounting software providers and enabled Apple Pay to all customers.
2021
We set our sights across the pond and launched the Capital on Tap Business Credit Card in the US in partnership with WebBank!
2022
We celebrated our 10th birthday with a new look and hit over £4 billion worth of funding to more than 200,000 customers.
Our achievements
Inspiring success stories from our customers
Over 200,000 businesses have signed up to Capital on Tap, so join the growing community of entrepreneurs who trust us to help them run and grow their businesses.
Neema Rai
Owner of Tamesis Dock
“Not only has my Capital on Tap Business Credit Card given me more time, but I’ve been able to give my staff more autonomy and authority while keeping an eye on our spending - plus all of the card benefits are a great bonus!”
Talk to Capital on Tap
Want to be part of our growing team?
Are you passionate about improving the lives of small business owners? We are always looking for incredible people to add to our team in our offices across London, Cardiff, Atlanta, Edinburgh, Brighton and Manchester.
We’re here to help
If you're a customer, you can look at your spending, manage repayments, and update your details in your Online Portal.
Check out our FAQ for quick answers to our most asked questions.
