Simple funding for sole traders & freelancers

Get a decision in minutes and instant access to funding.

*Applying for a card will not affect your credit score

  • 2-min application &
    same-day decision

  • Rates as low as
    9.9% APR

  • Unlimited free FX and
     ATM withdrawals

  • Avios and cashback


lent to UK businesses

We have reached a fantastic milestone. We have lent

1 billion pounds directly to small businesses in the UK.

1 billion and counting!

We’ve helped more than 20,000
sole traders and freelancers all
over the UK.

Being self-employed is hard but getting funding shouldn’t be! Come and see for yourself how we can help sole traders and freelancers like you get the funding you need to grow!

Cash or card? Your choice.

You control how to use your funding. Spend on your self-employed credit card or send the funds straight to your high street bank account.

Say goodbye to terrible fees.

We don't charge any FX, ATM, or other hidden fees. And if you pay off the bill in full each month, you won’t pay any interest on what you’ve borrowed.

Great rates as low as 9.9% APR.

Actual rate may vary based on your profile, representative APR of 39.9%.

Run smooth with Xero

Tools to easily manage your finances so you can focus on what you love.

Upgrade to On Tap Club.
Earn points redeemable for Avios or cashback.

Earn 1 point for every £1 of card spend. 1 point is redeemable for either 1 Avios or 1p (1% cashback). £249 upfront annual fee with no lock-in period. Plus 20,000 bonus points if you spend £5k in first 3 months.
Sign up today!

Learn why our customers love us.

We have already helped over 20,000 sole traders and freelancers in the UK and add a new customer every 5 minutes. See how we can help you today.

Want to learn more about Capital on Tap?