What Capital on Tap Offers

Capital on Tap is a UK business finance lender specialising in revolving business credit cards. For limited companies, limited liability partnerships, and public limited companies looking for flexible cash flow management tools, understanding lender features is an essential step in choosing funding.

Capital on Tap provides business credit cards designed for daily operational expenses. The core product functions as a hybrid between a credit card and a revolving line of credit. This flexible structure allows small businesses to manage everyday expenditure, make necessary commercial purchases, or address short-term working capital needs. Features of the facility include high-limit cards, reward points, cashback, and instant approval processes for qualified applicants.

Who It Suits and Eligibility Criteria

Capital on Tap is aimed at UK small businesses seeking flexible credit card solutions for daily expenditure. To qualify for a facility, both the applicant and the business must satisfy specific criteria.

Applicant requirements:

  • You must be an active director or a majority shareholder holding at least 25 percent of the company.

  • You must reside in the United Kingdom.

  • Neither you nor your business can have unsatisfied County Court Judgments (CCJs) within the last 12 months.

Business requirements:

  • The business must be a private limited company (Ltd), a limited liability partnership (LLP), or a public limited company (PLC) registered in the UK. Sole traders are not eligible.

  • The business must be listed as active on Companies House.

  • There is no minimum trading history required, meaning businesses of any age can apply.

Excluded industries:

Capital on Tap does not accept applications from businesses in high-risk sectors, which include:

  • Gambling and betting operators.

  • Arms, defence, and military manufacturers and distributors.

  • Non-profits, charities, and political or religious organisations.

  • Financial services businesses, including banks, building societies, and payday lenders.

  • Certain real estate businesses, including non-licensed estate agents and those selling or letting overseas property.

  • Cryptocurrency and digital asset businesses, including unregistered Virtual Asset Service Providers and coin mining operators.

Deal Sizes and Sole Trader Availability

Understanding facility limits helps business owners determine if a provider fits their capital requirements. Capital on Tap does not publish a minimum deal size or a maximum deal size for its credit card products. Financial limits are assessed on an individual basis during the application process.

Capital on Tap Overview and Key Facts

Feature

Details

Provider Type

Lender

Primary Product

Business credit cards

Access Route

Direct

Minimum Deal Size

£1000

Maximum Deal Size

£250,000

Sole Trader Eligibility

Not eligible

FCA Firm Reference Number

625592

Companies House Number

07959823

How to Access Capital on Tap

Capital on Tap operates via broker introductions (including via SMEMoney) and as a direct lender. The online process requires submitting information regarding company structure, ownership details, and director residency to verify eligibility against their underwriting standards.

Comparing Business Funding Options with SME Money

Before committing to a specific financial provider, comparing products across the broader market ensures you secure a facility suited to your commercial goals. Capital on Tap offers direct business credit cards, but alternative lenders may offer different limits, structures, or features.

SME Money connects UK businesses with specialist brokers who search over 100 lenders to find the right funding without the bias of a single bank. Whether you require business credit cards, revolving lines of credit, or alternative business finance, working with specialist brokers helps you evaluate all available market options effectively.