How our business credit card works

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Up to £50,000 in funding to grow your business in minutes

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Simple online account to manage your credit and employee cards

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Quarterly account reviews so your funding line grows with your business

We have reached a fantastic milestone. We have lent £2 billion pounds directly to small businesses in the UK.

£2 billion and counting!

Find out how we got there
2000000000

lent to UK businesses

Business credit. Instantly.

CHECK ELIGIBILITY *Checking your eligiblity will have no effect on your credit score
Easy-to-use customer portal to manage business funding

Getting started with Capital on Tap

  • Tick IconFill out our 2-minute application
    (It wonʼt affect your credit rating.)
  • Tick IconReceive your decision in minutes
  • Tick IconSign up for your account
  • Tick IconGet access to funding online instantly
    and your card within 4 business days
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What are the minimum criteria for an account?

  • Alarm IconTurnover at least £2,000 per month
  • Alarm IconNo unsatisfied CCJs against you or your business in the last 12 months
  • Alarm IconYou are based in the UK

Why choose us

We've funded more than £1.5 billion to over 100,000 businesses in the past 6 years.

Fast application

Simple 2 minute application that wonʼt effect your credit rating

Say goodbye to hidden fees

We do not charge any FX fees, ATM charges, or other monthly fees

Interest flexibility

Up to 56 days of interest free on card purchases
if you pay off your balance in full every month. Manage and make additional payments anytime.

Upgrade to Business Rewards

Earn rewards points on all card spend with Business Rewards. Redeem points for cashback and Avios.

Want to learn more about Capital on Tap?