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
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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 91% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
fab service
fab service
everybody is nice to talk to you and any problems are resolved quickly
thank you
June 3, 2026
Spam mail
Spam mail, you should conduct business better than by cold-call sending mails every two months
June 3, 2026
Unprompted review
Reply from Capital on Tap
Hi Natalie,
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
I've given it a 5 star because it's…
I've given it a 5 star because it's been game-changing for me and my family. It's helped me startup my business sooner, although I did have an experience for 10-15 minutes where it said I couldn't use the credit card, which may have just been an error. Other than that, it's been terrific. I'm so grateful for the letter that I received from 'Capital on Tap' a week ago. Thanks!
David
June 3, 2026
Really good
March 12, 2026
Excellent service from Capital on Tap
Excellent service from Capital on Tap. The application process was quick, simple, and completely hassle-free. Their app is one of the best I’ve used—easy to navigate, reliable, and packed with useful features that make managing finances straightforward. I would highly recommend Capital on Tap to anyone looking for a business credit card with excellent service, a user-friendly app, and a smooth overall experience.
June 3, 2026
Reply from Capital on Tap
Hi Inderjit,
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
Simple and easy how its meant to be
Simple, easy to use and cashback is just an added bonus
June 24, 2025
Finally how a credit card should be
Finally how a credit card should be. The app is great, and it's super easy to create virtual cards. Also love the cashback.
December 15, 2025
Very very supportive for the business…
Very very supportive for the business owners and easy to understand all these processes
June 2, 2026
I personally wouldn't recommend Capital…
I personally wouldn't recommend Capital On Tap. Payment's always get declined and customer service don't seem to know what it going on. Yeah, they have some pretty good features but they don't make up for their poor service. Don't be fooled. I would recommend AMEX instead.
June 2, 2026
Unprompted review
Reply from Capital on Tap
Hi Jack,
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
the service was quick and reliable
the service was one touch, it appears they read my mind and know what I am going through, and how much I was in need of the fund and as soon as I requested the funds it was into my Bank account within 1 hour.
June 2, 2026
information and your procedures, costs and time scales for repayment
Service - it was very easy way to set up your company's card.
Application - it was quite effortless and user friendly.
User experience - enjoyed overall experience, it was very easy for me to drew down £1k.
Your professionalism and customer care service was first class.
June 1, 2026
Great service
I am New in my business and I’m so happy with the service I get from the site thank you very much.
June 2, 2026
Capitalontop very easy and best for…
Capitalontop very easy and best for small businesses
June 2, 2026
Super simple application
Super simple application. Fast delivery of the physical card, up and running in no time. Thank you very much
June 2, 2026
A great tool for a small business
I found the whole process of applying for a card easy and straightforward. Using the card for my business needs, especially the ability to drawdown funds is really helpful.
June 2, 2026
Quick and fast!
June 2, 2026
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