Lender review · Business credit card with revolving credit line

Capital on Tap

Name: Capital on Tap
Brand: Capital on Tap

4.3 / 5 Up to £250k credit limit · 2 minutes to same day ·FCA regulated

UK business credit card with a revolving credit line up to £250k, launched as a brand in 2012 with the current trading entity incorporated 2015. FCA-authorised for consumer credit and e-money. The closest equivalent in the UK to a US-style business charge card: 1% cashback, soft-search at quote, instant decision.

Oliver Mackman

Director, BestBusinessLoans

Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.

Last reviewed: 8 May 2026

At a glance

Product: Business credit card with revolving credit line
Ticket size: Up to £250k credit limit
Typical rate: From 15.5% APR variable on cash; 0% on card spend if cleared in full
Decision time: 2 minutes to same day
Soft search at quote: Yes
Limited companies only: No
FCA regulated: Yes (check the FCA Register)
Companies House: 09867706
Founded: 2012

Scores against our methodology

Rate transparency4/5
Eligibility clarity5/5
Decision speed5/5
Decline handling4/5

Full methodology.

How Capital on Tap works

Capital on Tap operates as a business credit card with revolving credit line provider in the UK SMB market. UK business credit card with a revolving credit line up to £250k, launched as a brand in 2012 with the current trading entity incorporated 2015. FCA-authorised for consumer credit and e-money. The closest equivalent in the UK to a US-style business charge card: 1% cashback, soft-search at quote, instant decision.

The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the Up to £250k credit limit band, decisions land within 2 minutes to same day, and the published rate range is From 15.5% APR variable on cash; 0% on card spend if cleared in full. Soft search at quote means no impact on your credit file at the eligibility stage. Capital on Tap is FCA regulated.

Where Capital on Tap fits best: cash-flow cards on monthly cycle, established ltd companies and sole traders with clean credit, borrowers wanting same-day approval. Where it does not fit: long-tenor capex finance, borrowers planning to revolve cash advances, sub-12-month trading without director credit history.

Pricing examples

Worked examples using Capital on Tap's published rate range (From 15.5% APR variable on cash; 0% on card spend if cleared in full). Simple-interest approximation, mid-band rate. Real offers will differ and should be confirmed on the lender quote.

Ticket	Term	Estimated total cost	Approx monthly
£25,000	24 months	£28,875	£1,203
£50,000	36 months	£61,625	£1,712
£100,000	48 months	£131,000	£2,729

Indicative only. Confirm on a Capital on Tap quote.

Eligibility

Trading time: typically 12 to 24 months minimum for the cleanest pricing. Weakness flagged: Sub-12-month trading without director credit history.
Turnover floor: not always published. As a working figure, expect a £100k+ turnover requirement for term loans of £50k+. Smaller tickets and MCA structures have lower floors.
Sector exclusions: Long-tenor capex finance; Borrowers planning to revolve cash advances.
Credit profile: Sub-12-month trading without director credit history.
Company structure: Limited companies and (in some cases) sole traders / partnerships.
Best fit: Cash-flow cards on monthly cycle; Established Ltd companies and sole traders with clean credit; Borrowers wanting same-day approval.

Pros

+ Soft-search application with no credit-file footprint at quote.
+ Decisions in around 2 minutes for clean cases.
+ No interest if statement balance is cleared in full each month.
+ 1% unlimited cashback or Avios collection on card spend.

Cons

− Cash-advance APR materially higher than card-spend APR; using it as cash erodes the maths.
− Personal guarantee required from a director.
− Credit limit can be reset down without warning if account behaviour changes.
− Not a substitute for a term loan on multi-year capex.

Best for

· Cash-flow cards on monthly cycle
· Established Ltd companies and sole traders with clean credit
· Borrowers wanting same-day approval

Weak at

· Long-tenor capex finance
· Borrowers planning to revolve cash advances
· Sub-12-month trading without director credit history

When to use Capital on Tap

Use Capital on Tap when

Your application matches the best-fit profile: cash-flow cards on monthly cycle, established ltd companies and sole traders with clean credit, borrowers wanting same-day approval. The published ticket range (Up to £250k credit limit) covers your ask, the decision speed (2 minutes to same day) fits your cash-gap timeline, and the rate range (From 15.5% APR variable on cash; 0% on card spend if cleared in full) is acceptable to you given your credit profile. Soft search at quote means there is no downside to running an eligibility check before committing.

Do not use Capital on Tap when

Your profile sits in the weak-at list: long-tenor capex finance, borrowers planning to revolve cash advances, sub-12-month trading without director credit history. Capital on Tap will likely decline, and the decline itself can sit on broker records for 90 days. If you have any of these flags, route directly to a specialist (post-decline lender, MCA against card flow, asset-backed alternative) rather than using Capital on Tap as a screen.

FAQs

What is the minimum trading time for Capital on Tap?

Capital on Tap is weaker on sub-12-month trading without director credit history. As a working figure, expect Capital on Tap to ask for at least 12 months of trading for most product lines, and 24 months for the cleanest pricing.

Does Capital on Tap require a personal guarantee?

Most UK SMB lenders require a personal guarantee from at least one director. Capital on Tap is no exception in the standard case. The few exceptions: asset-backed lending where the asset itself stands as security, and a small number of MCA structures where card flow is the underwriting basis. For business credit card with revolving credit line specifically, expect a PG to be requested.

How fast does Capital on Tap fund?

Capital on Tap quotes 2 minutes to same day for an underwriting decision. Funding to bank account typically follows within one to three working days of acceptance, subject to KYC, signed documents, and (where applicable) registration of any debenture or charge.

What rate should I expect from Capital on Tap?

Capital on Tap's published range is From 15.5% APR variable on cash; 0% on card spend if cleared in full. The headline number is rarely the offered number. Rate transparency on this lender scores 4/5 in our methodology. Expect the cleaner end of the band only if you have 2+ years of trading, clean credit, and turnover comfortably above the lender's stated floor.

What happens if Capital on Tap declines me?

If Capital on Tap declines, you have three realistic next steps. First, ask for the decline reason in writing, most reputable UK lenders will tell you. Second, route the application to a specialist post-decline lender (Bizcap, JPM Capital, Bolton Finance) where credit issues are the constraint, or to an asset-backed alternative where security is available. Third, use a broker panel to fan the application across the lenders most likely to accept your specific decline reason. Capital on Tap scores 4/5 on decline handling in our methodology.

Where to apply

Apply directly via www.capitalontap.com/en, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just Capital on Tap.

Specialty alternatives

See all lender reviews for alternatives.

Capital on Tap compared head-to-head

Side-by-side breakdowns of rate, ticket band, decision speed, eligibility and best-fit for UK SMEs.

Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: www.capitalontap.com/en.