Capital on Tap vs Got Capital: Which UK Business Loan Provider in 2026?
Capital on Tap edges this matchup in our 2026 UK review, scoring 4.3 of 5 against Got Capital on 4.2. Capital on Tap runs a business credit card with revolving credit line at From 15.5% APR variable on cash; 0% on card spend if cleared in full with decisions in 2 minutes to same day; Got Capital runs a revenue-based business funding advance at Factor fee, quoted at offer. That said, the headline rating is not the whole answer: Got Capital beats Capital on Tap for sole traders and partnerships needing fast cash. Read the side-by-side, then jump to the "when X wins" sections for the buyer-fit logic.
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
Side-by-side
| Capital on Tap | Got Capital | |
|---|---|---|
| Product type | Business credit card with revolving credit line | Revenue-based business funding advance |
| Founded | 2012 | 2014 |
| Ticket range | Up to £250k credit limit | £2k to £300k |
| Typical rate | From 15.5% APR variable on cash; 0% on card spend if cleared in full | Factor fee, quoted at offer |
| Decision time | 2 minutes to same day | Same day to 48 hours |
| Soft search at quote | Yes | Yes |
| Limited companies only | No | No |
| FCA regulated | Yes | No |
| Companies House | 09867706 | 09073214 |
| Best for | Cash-flow cards on monthly cycle; Established Ltd companies and sole traders with clean credit; Borrowers wanting same-day approval | Sole traders and partnerships needing fast cash; £5k+ monthly revenue businesses; Recently-trading SMEs (3 months+) |
| Overall rating | 4.3 / 5 | 4.2 / 5 |
| Last reviewed | 2026-05-08 | 2026-05-08 |
When Capital on Tap wins
- 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.
Best for
Cash-flow cards on monthly cycle, Established Ltd companies and sole traders with clean credit, Borrowers wanting same-day approval.
Watch outs
- 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.
When Got Capital wins
- Accepts every UK business structure including sole traders.
- No personal guarantee in the standard advance structure.
- Three-month minimum trading bar, useful for newer businesses.
- Strong Trustpilot record vs category peers.
Best for
Sole traders and partnerships needing fast cash, £5k+ monthly revenue businesses, Recently-trading SMEs (3 months+).
Watch outs
- Factor-fee quoting hides effective APR.
- Decisions tied to revenue history, not balance-sheet strength.
- £100k+ advances require 12 months trading.
FAQ
Capital on Tap or Got Capital: which is the better UK business loan in 2026?
Capital on Tap scores higher overall in our 2026 review at 4.3 of 5 versus 4.2 for Got Capital. That said, the right answer depends on what you trade and what you need. Capital on Tap is the stronger pick for cash-flow cards on monthly cycle, while Got Capital is the stronger pick for sole traders and partnerships needing fast cash. If your business sits inside one of those use cases, ignore the headline rating and pick for fit.
What rates and ticket bands do Capital on Tap and Got Capital offer?
Capital on Tap runs a business credit card with revolving credit line with tickets of Up to £250k credit limit at From 15.5% APR variable on cash; 0% on card spend if cleared in full. Got Capital runs a revenue-based business funding advance with tickets of £2k to £300k at Factor fee, quoted at offer. Decision time on Capital on Tap is 2 minutes to same day; on Got Capital it is same day to 48 hours. Headline rates rarely match the offered rate, so verify on the lender site before committing, and assume bespoke pricing above £100k where the data allows it.
Eligibility: Capital on Tap vs Got Capital, who qualifies?
Capital on Tap is soft-search at quote stage (no credit-file footprint) and accepts sole traders and partnerships as well as Ltd companies. Got Capital is soft-search at quote and accepts sole traders and partnerships as well as Ltd companies. Capital on Tap is FCA regulated; Got Capital is not directly FCA regulated.
Which is the wrong answer for what?
Capital on Tap is the wrong answer for long-tenor capex finance. Got Capital is the wrong answer for borrowers wanting fixed-term predictable apr. If either of those describes your business, look at the side-by-side table for the alternative, or get a quote from our UK lender panel and we will surface the right shortlist.
Can BestBusinessLoans help me choose between Capital on Tap and Got Capital?
Yes. Our reviews are editorial; we run a UK lender panel via our /get-quotes/ form that includes both. Tell us monthly turnover, sector and what you need the money for. We match you against the lenders most likely to approve and beat your current cost, then route the application without affecting your credit file at quote stage.
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Get quotes →Reviewed by Oliver Mackman, Director. Last reviewed: 2026-05-08. Editorial by Best Business Loans Ltd (16833937).