Discover how Capital on Tap helps small businesses grow with cashback, high credit limits, and fast approvals. Full review, guide, and FAQs inside.

Capital on Tap: The Business Credit Card Built for Small Business Owners

Running a small business is exciting, but it can also feel like a constant juggling act. One day you are chasing invoices, the next you are trying to cover payroll, and somewhere in between you still need to buy supplies, pay for software, and keep your cash flow steady. If you have ever felt this pressure, you are not alone, and that is exactly the gap Capital on Tap was built to fill.

Capital on Tap is a business credit card and spend management platform designed specifically for small business owners who want quick access to funding without the endless paperwork of a traditional bank. In this guide, we will walk through everything you need to know about Capital on Tap, including its history, mission, products, partnerships, and how it stacks up against competitors like Capital One and Amex.

Whether you are a first time entrepreneur or a seasoned finance enthusiast comparing business credit options, this article will give you a clear, honest, and detailed look at what Capital on Tap offers.

What Is Capital on Tap?

Capital on Tap is a financial services company that provides business credit cards and spend management tools built specifically for small and medium sized businesses. Unlike many traditional banks, Capital on Tap focuses almost entirely on serving small business owners who often get overlooked by big financial institutions.

The platform offers an all in one solution that combines a business credit card, employee card issuing, expense tracking, and cashback rewards, all wrapped into a single easy to use system.

Quick Facts About Capital on Tap

• Founded in 2012 in London by David Luck, George Karibian, and Jan Farrarons
• Serves more than 200,000 small business customers across the UK and US
• Customers have spent over 25 billion dollars on Capital on Tap cards in the US market alone
• Cards in the UK are backed by Visa, while US cards are issued by WebBank
• The company has funded well over 20 billion pounds worth of credit to small businesses since launch

The Brand Story: History, Mission, and Vision

How It All Started

Capital on Tap began in London in 2012 with a simple but powerful idea. Small business owners deserve fast, fair, and flexible access to funding, without jumping through the hoops that traditional banks often require. The founders noticed that many small businesses were being turned away or made to wait weeks for approval, and they wanted to build something better.

In its early days, the company started by offering fixed term loans to small businesses. It then developed its own underwriting system, which allowed for much quicker application and approval times. This was a turning point that helped the brand move from a niche lender into a serious player in the small business finance space.

A few years later, Capital on Tap released its first business credit card, and this product quickly became the heart of the company. The card combined credit access with rewards and simple digital tools, something that felt refreshingly modern compared to the paperwork heavy offerings from traditional banks.

Growth and Expansion

The brand did not stop at the UK. In 2020, Capital on Tap expanded into Spain, and in 2021, it launched its business credit card in the United States through a partnership with WebBank. This expansion into the US market opened the doors to thousands of American small business owners who were looking for an alternative to traditional bank credit cards.

By its tenth anniversary, Capital on Tap had crossed 4 billion pounds in funding to more than 200,000 customers. Since then, the numbers have only grown, with the company now reporting more than 20 billion pounds in total funding and the launch of new products like a business savings account powered by ClearBank in 2025.

Mission and Vision

At its core, Capital on Tap’s mission is to give small business owners easier access to funding and smarter tools to manage their spending. The vision behind the brand is to remove the friction that so often exists between small businesses and the capital they need to grow, whether that is through credit, savings, or expense management.

This mission has guided nearly every product decision the company has made, from fast online applications to flexible repayment cycles and rewards that actually make sense for everyday business spending.

Popular Products and Services

Capital on Tap has built a focused product lineup that revolves around helping small businesses manage money more efficiently.

1. Business Credit Card

This is the flagship product and the reason most people search for Capital on Tap in the first place. Key features include:

• Cashback on all purchases, with rates that can reach up to 2 percent depending on the plan and payment method chosen
• Credit limits that can go as high as 50,000 dollars, based on the business creditworthiness
• No foreign transaction fees on many card options
• Unlimited free employee and virtual cards, which is a major convenience for growing teams
• Fast online applications that typically take just a couple of minutes to complete

2. Spend Management Tools

Beyond the card itself, Capital on Tap gives business owners real time visibility into company spending. Owners can set individual spending limits for employees, track expenses as they happen, and integrate the platform with popular accounting software. This saves hours of manual bookkeeping every month.

3. Business Savings Account

In 2025, Capital on Tap expanded beyond credit and launched a business savings account powered by ClearBank. This account offers competitive interest rates along with instant access to funds, no monthly fees, and no minimum deposit requirements. It rounds out the brand’s offering so business owners can manage both credit and savings from a single provider.

4. Rewards and Loyalty Perks

Capital on Tap cardholders can also benefit from partnership perks, including the ability to transfer reward points into other loyalty programs and access to travel discounts through select airline partnerships.

Partnerships, Achievements, and Recognition

Capital on Tap has built a strong network of partnerships that have helped strengthen both its product offering and its brand credibility.

• Visa Partnership: Capital on Tap works closely with Visa to issue its corporate credit cards, using Visa’s security technology, including tokenization, to help protect customer transactions
• WebBank Partnership: In the US, all Capital on Tap cards are issued by WebBank, a well established financial institution based in Salt Lake City, Utah
• Virgin Red Partnership: Cardholders can transfer their reward points directly into Virgin Points, adding extra flexibility to how rewards are used
• Qatar Airways Partnership: Cardholders have access to exclusive flight discounts on select routes departing from the UK
• Industry Recognition: The company has been recognized by respected publications such as Forbes and the Financial Times as one of the fastest growing businesses in Europe
• Securitisation Milestone: Capital on Tap created the first European non bank credit card master trust to launch in eight years, a notable achievement in the fintech lending space

These partnerships are not just marketing wins. They reflect the level of trust that established financial players like Visa and WebBank have placed in Capital on Tap’s underwriting and operational systems.

Capital on Tap vs Major Competitors

Choosing the right business credit card often comes down to comparing a handful of strong options side by side. Here is how Capital on Tap compares to some of the biggest names in small business finance.

While Capital One and Amex bring strong brand recognition and broader banking ecosystems, Capital on Tap tends to win on speed, unlimited free employee cards, and a more streamlined online application built specifically around small business needs rather than personal credit products repurposed for business use.

Unique Selling Points of Capital on Tap

So what really sets Capital on Tap apart from the crowd of business credit cards out there? Here are the standout reasons.

1. Built only for small business: The entire platform is designed around small business needs, not adapted from a personal credit card
2. Fast, simple applications: Most applications take just minutes, and the process does not affect your personal credit score to check eligibility
3. Unlimited free employee cards: Many competitors charge for additional cards or cap how many you can issue
4. High credit limits: Access to funding up to 50,000 dollars gives growing businesses real breathing room
5. Real time spend visibility: Owners can track exactly where money is going without waiting for a monthly statement
6. Combined credit and savings: With the addition of a business savings account, Capital on Tap now covers both sides of small business finance

Customer Benefits and Real World Use Cases

To understand why this card resonates with business owners, it helps to look at a few practical scenarios.

Case 1: A cafe owner needs to restock inventory quickly before a busy weekend. With a fast online application and quick approval, they can access funds and place orders without waiting days for a bank to respond.

Case 2: A growing marketing agency wants to give each employee a company card without paying extra fees. Unlimited free employee cards let the owner issue cards instantly and set individual spending limits for each team member.

Case 3: A contractor travels frequently for supplies and equipment across state lines. No foreign transaction fees and straightforward cashback mean every purchase earns rewards without hidden costs eating into the value.

Case 4: A retail business wants to start building savings alongside its credit line. The new business savings account allows the owner to earn interest on idle cash while still having quick access to funds when needed.

Buying Guide: Is Capital on Tap Right for Your Business?

Before applying for any business credit card, it helps to ask a few honest questions about your business needs.

Step 1: Check Your Eligibility

Capital on Tap generally looks at your business revenue, time in operation, and personal credit history since a personal guarantee is typically required. Newer businesses with steady revenue can still qualify, but it helps to have accurate financial records ready.

Step 2: Compare Cashback Structures

Look closely at how cashback is earned. Some cards offer a flat rate on all purchases, while others boost rewards for specific payment methods, such as switching to automatic weekly payments.

Step 3: Consider Your Team Size

If you plan to issue cards to multiple employees, unlimited free employee cards can save a significant amount compared to competitors that charge per card.

Step 4: Think About Cash Flow Needs

If your business deals with seasonal spikes or irregular income, a higher credit limit combined with flexible repayment options can offer more breathing room than a lower limit card.

Step 5: Look Beyond the Card

If you also want to grow savings, check whether the provider offers additional tools like a savings account or expense management software, since managing everything from one dashboard saves time.

Expert Recommendations and Tips

• Always read the full terms before applying, especially around personal guarantees and interest rates on carried balances
• Pay your balance in full each cycle when possible to avoid interest charges eating into your cashback earnings
• Use spend management tools actively, not just as an afterthought, since real time tracking can catch overspending early
• Set individual employee card limits based on actual job needs rather than giving everyone the same high limit
• Review your rewards program periodically, since partnerships and perks can change and new offers may appear

Frequently Asked Questions

Is Capital on Tap a real bank? No. Capital on Tap is a financial technology company, not a bank. In the US, its cards are issued by WebBank, a licensed financial institution, while Visa provides the underlying card network technology.

Does Capital on Tap require a personal guarantee? Yes. Most Capital on Tap business credit cards require a personal guarantee from the business owner, which is standard practice across most small business credit cards in the industry.

How fast can I get approved for a Capital on Tap card? Approval can happen in as little as a few minutes to around 48 hours, depending on your business profile and documentation, making it noticeably faster than many traditional bank processes.

Is Capital on Tap available outside the UK and US? Yes, in addition to the UK and US, Capital on Tap has also expanded its services into markets such as Spain.

Does applying affect my credit score? Checking your eligibility with Capital on Tap typically does not impact your personal credit score, though a full application may involve a credit check depending on the product.

What is the maximum credit limit offered? Business owners may qualify for credit limits up to 50,000 dollars, depending on their business revenue and overall creditworthiness.

Is Capital on Tap related to Capital One? No. Despite the similar sounding name, Capital on Tap and Capital One are completely separate and unrelated companies.

Final Thoughts: Should You Choose Capital on Tap?

Capital on Tap has grown from a small London startup in 2012 into a trusted financial partner for more than 200,000 small businesses across the UK and US. Its focus on fast approvals, unlimited free employee cards, generous credit limits, and a genuinely simple application process makes it a strong contender for small business owners who feel underserved by traditional banks.

If you are ready to simplify how your business manages spending, earns rewards, and accesses funding, it may be worth exploring what Capital on Tap can offer your business today. Compare your options, review the terms carefully, and choose the financial partner that truly understands what it takes to run a small business.

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