Quick and easy setup with minimal faff - just what busy business owners want Ive called them a couple of times with questions and theres never been a queue, the person/s who answer are English, and... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Easy application. Decision in minutes. Often in business borrowing can be stressful or just having that additional cash flow when needed. COP application made it easy to follow. Also the app is good,... See more
The Capital on Tap card setup process was a breeze and the integration with Xero has been excellent so far. We've already used the Priority Pass and now scoping out how to best use the Radisson VIP. H... See more
When you need an injection of cash flow the last thing you need is a cumbersome system from lenders. Capital On Tap was easy to navigate and obtain an early decision with the fascility ready to use s... See more
Company details
About Capital on Tap
Written by the company
At Capital on Tap, our mission is to make running a small business as easy as possible.
We understand that the day-to-day operations of a business can be challenging, which is why we've developed tools and resources that empower business owners to streamline their operations, access fast funding, and earn rewards.
So, if you're looking for a better way to run or grow your business – whether you’re an electrician wanting to buy supplies for your next job or a consulting company wanting to consolidate your team's spend – join the 200,000 businesses across the UK and the US that have placed their trust in Capital on Tap.
We understand that the day-to-day operations of a business can be challenging, which is why we've developed tools and resources that empower business owners to streamline their operations, access fast funding, and earn rewards.
So, if you're looking for a better way to run or grow your business – whether you’re an electrician wanting to buy supplies for your next job or a consulting company wanting to consolidate your team's spend – join the 200,000 businesses across the UK and the US that have placed their trust in Capital on Tap.
The credit card built for small businesses
Written by the company
- - Uncapped 1% cashback with no annual fee
- - Practical credit limits up to £250,000
- - Free company cards with spend controls
Contact info
Hylo Building, 103, 105 Bunhill Row, Floors 6-8, EC1Y 8LZ, London, United Kingdom
- 0208 962 7401
- contact@capitalontap.com
- capitalontap.com
4.6
Excellent
18K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 90% of negative reviews
Typically replies within 1 week
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Capital on Tap is the company and the…
Capital on Tap is the company and the outcome was true Capital available on tap when my business needed it. Really impressed with lender and App excellent !
June 15, 2026
It has assisted me over the last few…
It has assisted me over the last few weeks with access toe these funds
June 15, 2026
I have had a very positive experience…
I have had a very positive experience with Capital on Tap. The application process was simple, quick, and easy to complete. The credit card has been very useful for managing business expenses, and the online platform is straightforward to use. Payments and transactions are clearly displayed, making it easy to keep track of spending. Whenever I needed assistance, the customer service team was professional, helpful, and responsive. Overall, I am very satisfied with the service and would recommend Capital on Tap to other business owners looking for a reliable business credit card provider.
June 15, 2026
I lost alot...
I have lost over a year of my 1% Cashback with a credit card. They have said there is nothing they can do and its my fault that the retailer (Argos) issued a refund.
A bit lost myself how you can just loose everything, but apparently its part of their terms and conditions.
I only joined for these rewards, which led into a savings account too - Its been a good 3 years, but you HAVE changed for the worse.
& this is why we must depart ways.
June 14, 2026
Unprompted review
Reply from Capital on Tap
Hello,
Thank you for your review, we do apologise for the experience you have had and would like to be able to resolve the ongoing issues on your account as soon as possible.
Please feel free to share your customer ID with us, which can be found in your online portal, so we are able to review your account.
Otherwise you are welcome to send us an email referencing COTGRDD-1 and we will get in touch within 1 business day! Alternatively you can call our customer support line on 020 8962 7401 which is available 24/7.
Best wishes,
Capital on Tap
I asked you to stop letters SPAM but…
I asked you to stop letters SPAM but you dont't want to stop.
June 13, 2026
Unprompted review
Reply from Capital on Tap
Hi Volka,
Thank you for taking time to leave a review.
We obtain perspective data from various sources and often send mail directly to businesses within the UK as we believe we have a great product that could help - it's what we're most passionate about!
We understand not everybody will want to apply, so we make it easy for you to opt out from these letters, either via our website (https://www.capitalontap.com/en/apps/opt-out/) or by calling our wonderful Customer Service Team on 0208 962 7401.
You can view more detailed information about all of the steps we take to protect our customers’ data in our Privacy Policy - https://www.capitalontap.com/en/legal/privacy-policy/
Please do call our team on 0208 962 7401 if you would like to discuss this further.
Best wishes,
Capital on Tap
Very good idea i
June 12, 2026
Good!
Pretty good actually, you get an app where you can do all kinds of things - upload receipts, pin reminder/change, security settings... decent benefit to using it so long as you pay off by the statement repayment, build good business credit history, get 1% cashback for free on anything used... it's a no brainer really for standard business expenses. Oh, and they notify you on email about when your debit is due, how much it is - amazing communication. Can't even think of anything that would make it better besides maybe adding more benefits.. discounted business stores for tech purchase or something maybe... but for 1% back (free) is pretty good alone.
June 12, 2026
The onboarding was fast
The onboarding was fast, efficient and seamless. Great product for all businesses highly recommend.
June 12, 2026
Abrupt card suspension with no warning — serious damage to our business
We had previously been very happy with Capital on Tap and had even left a 5-star review. Unfortunately, that has now changed completely.
Capital on Tap abruptly suspended our business card with no prior notice, no phone call, and no opportunity to resolve the issue first.
The reason was a simple administrative misalignment that had already been in place for several months previously. An internal Companies House/account-holder requirement following restructuring within our company.
We fully understand that financial providers need to carry out checks and ensure account details are aligned. That is not the issue. The issue is the way this was handled.
Our card was suspended immediately, despite the fact that we had never missed payments and had always cleared the principal balance each month. There was no arrears issue, no misuse issue, and no payment problem.
This had an immediate operational impact on our business and has damaged it. The card was being used for automated Amazon advertising payments. Once Capital on Tap suspended it without warning, Amazon could not take payment, advertising stopped, listings were left exposed, and sales were affected immediately.
A simple phone call or short notice period would have allowed us to update the account holder or move payments elsewhere. Instead, Capital on Tap created an avoidable and damaging interruption to our business.
For a business finance provider, this is extremely poor practice. Trust is everything when a company relies on a card for live trading operations. Capital on Tap’s handling of this situation was abrupt, disproportionate, and commercially damaging.
I can no longer recommend them.
June 11, 2026
Unprompted review
A blessing for small businesses
A blessing for small businesses, love the App and the ease of use, ease of applying. Brilliant work!
November 24, 2025
Very good service and always there to…
Very good service and always there to help you when u need them to 👍🏻
June 11, 2026
Hands down the best credit card for small businesses
The application process took me less than 10 minutes. Unlike the weeks of waiting I’ve experienced elsewhere, I had an approval decision almost instantly, and the physical card arrived just a few days later. The digital card was ready to use immediately.
June 10, 2026
Really simple application process
Really simple application process, great app with the ability to have multiple cards for my team and virtual cards with great controls on spend limits etc. Not used the bill pay yet, but love that feature. Very tempted to go pro for the extra points.
June 10, 2026
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