Capital on Tap

Capital on Tap stands out as a premier financial tool tailored for UK small businesses navigating the complexities of growth and cash flow management. This platform delivers a business credit card that combines high credit availability with rewarding cashback, helping owners focus on expansion rather than financial constraints. Trusted by over 200,000 businesses, it empowers entrepreneurs to handle expenses smartly whilst earning tangible benefits on every transaction.

What is Capital on Tap?

Capital on Tap is a UK-based fintech solution specialising in business credit cards designed to meet the unique needs of small and medium-sized enterprises. Unlike traditional bank cards burdened by restrictive terms, this tool offers flexible credit limits up to £250,000, enabling businesses to invest in inventory, marketing, or operations without delay. The platform emphasises simplicity, with applications processed in just 2 minutes and immediate decisions, making it a go-to for time-pressed owners.

At its core, Capital on Tap integrates reward mechanisms like uncapped 1% cashback on all spending, which can be redeemed as cash, Avios points for travel, gift cards, or directly against the balance. This approach not only incentivises responsible spending but also turns routine purchases into value-adding opportunities. Additionally, the Instant Savings account, powered by ClearBank, allows businesses to earn competitive interest rates of up to 4.07% AER (variable) on deposits starting from £1, with no withdrawal penalties or monthly fees. Such features position Capital on Tap as a comprehensive financial partner, supporting both spending and saving in one ecosystem.

Founded with a mission to democratise access to business finance, Capital on Tap has evolved into a reliable platform that prioritises transparency and user control. Businesses appreciate its no-fee structure, including zero annual, foreign exchange, or ATM charges, which contrasts sharply with legacy banking options. By auto-syncing with accounting software, it ensures seamless financial tracking, reducing administrative burdens and enhancing overall efficiency for growing organisations.

Key Features

• Business credit card with limits up to £250,000 for substantial purchasing power
• Uncapped 1% cashback on every spend, redeemable in multiple flexible ways
• Instant Savings account offering up to 4.07% AER variable interest on balances
• Fee-free model with no joining, annual, FX, or ATM charges
• Rapid application and approval in as little as 2 minutes
• Avios conversion at no extra cost for travel enthusiasts
• Spending controls and real-time tracking for better financial oversight
• Accounting integrations for automatic data syncing and reconciliation

Benefits for Businesses

Businesses adopting Capital on Tap gain significant financial flexibility, allowing them to seize opportunities without the drag of cash shortages. The high credit limits and quick approvals mean owners can fund urgent needs like supplier payments or equipment purchases, ultimately accelerating growth trajectories. Moreover, the 1% cashback programme delivers direct ROI, with users potentially saving thousands annually on operational costs, which can be reinvested into core activities.

Beyond rewards, the tool’s cost-saving features such as no annual fees and competitive savings rates help optimise working capital. Companies report improved cash flow management, as the platform’s intuitive dashboard provides insights into spending patterns, curbing unnecessary expenses. For UK SMEs facing volatile markets, this translates to enhanced resilience and the ability to scale sustainably, with many users noting a reduction in overall banking reliance.

The integration with everyday business tools further amplifies benefits, streamlining bookkeeping processes and minimising errors that plague manual systems. In an era where efficiency drives competitiveness, Capital on Tap equips organisations with the financial agility needed to thrive, fostering long-term profitability and operational smoothness.

Use Cases and Applications

For retail businesses, Capital on Tap proves invaluable during peak seasons, where credit limits support bulk inventory buys without dipping into reserves. A small online shop, for instance, might use the card for supplier orders, earning cashback that offsets marketing spends, whilst the savings account parks excess funds for interest accrual. This cycle of smart spending and saving helps maintain steady cash flow amid fluctuating demand.

In the professional services sector, such as consultancies or agencies, the tool facilitates client-related expenses like travel or software subscriptions. Freelance teams benefit from Avios points for business trips, turning routine costs into travel perks, whilst auto-syncing ensures accurate invoicing. Even non-profits or startups leverage it for event funding, appreciating the no-fee transparency that builds trust in financial decisions.

Construction firms or tradespeople find it useful for tool purchases and material costs, where high limits cover large outlays and cashback eases budget pressures. Overall, these applications demonstrate how Capital on Tap adapts to diverse industries, providing tailored financial support that aligns with real-world business rhythms and challenges.

Integration & Ecosystem

Capital on Tap fits effortlessly into broader business workflows through its robust integration capabilities, particularly with accounting software like Xero and QuickBooks. This auto-sync feature eliminates manual data entry, ensuring transactions are categorised accurately for tax compliance and financial reporting. Businesses using multiple tools can centralise expenses, creating a unified view that informs strategic planning.

The platform’s API supports custom connections, allowing tech-savvy organisations to link it with ERP systems or custom dashboards. For teams relying on expense trackers, compatibility enhances reimbursement processes, reducing administrative time by up to 50%. This ecosystem approach not only boosts productivity but also ensures Capital on Tap enhances, rather than complicates, existing financial infrastructures.

Pricing and Plans

Capital on Tap maintains an accessible pricing model centred on a no-fee entry, with no joining or annual costs to deter small businesses. Credit utilisation carries variable APR rates starting from approximately 14.13%, tailored to individual credit profiles for fairness. The Instant Savings account adds value without extra charges, offering interest from as low as £1 deposits.

For larger operations, custom enterprise plans provide negotiated terms, including higher limits and dedicated support. Billing is flexible, with monthly statements and options for interest-free periods on certain spends. This structure ensures scalability, allowing businesses to start small and expand as needs grow, without prohibitive upfront investments.

Exclusive Savings on Capital on Tap

UK businesses aiming to maximise value from Capital on Tap can discover exclusive perks and discounts through PerkLedger. Our platform curates verified deals from leading finance providers, enabling companies to reduce costs on credit applications, cashback boosts, or premium features by up to 20%. These tailored offers help stretch budgets further, making advanced financial tools more attainable for SMEs.

Complementing these, PerkLedger’s Discovery Rewards programme empowers members to earn cashback on eligible purchases and subscriptions, transforming essential business expenses into rewarding investments. Whether securing a new card or upgrading savings accounts, participants accumulate points redeemable for further savings. Access all these advantages seamlessly via our website, browser extension, or mobile app, keeping you informed on the freshest Capital on Tap promotions and strategies to optimise your financial toolkit.

Getting Started with Capital on Tap

Embarking on Capital on Tap begins with a straightforward online application, where businesses enter basic details like revenue and trading history for a swift 2-minute decision. Upon approval, the digital card activates instantly, ready for use via mobile wallet or physical delivery. New users should link their accounting software early to harness auto-sync benefits, setting up spending categories for precise tracking.

To maximise impact, review the dashboard for custom controls, such as limits per category or employee cards, ensuring compliance and oversight. Regular monitoring of cashback earnings and savings interest helps refine spending habits, whilst exploring Avios options can align with travel goals. With dedicated support on hand, implementation is smooth, typically yielding noticeable financial improvements within the first month. Businesses often find that consistent use builds credit profiles, unlocking even greater limits over time.