Capital on Tap

High Growth Innovator

Business Lending


Capital on Tap provides an all-in-one small business credit card and spend management platform. Capital on Tap makes it easy for small business owners to manage cards for their employees, access funding for their business, and earn cashback, travel, and gift card rewards on every pound their business spends.

Launched in 2012, Capital on Tap has spent 10 years focusing on the needs of small business owners. It has been recognised by Forbes and the Financial Times as one of Europe’s fastest growing businesses. More than 200,000 small business customers have spent more than £4 billion on their Capital on Tap Business Credit Cards.

Capital on Tap makes business funding and spending simple, saving business owners time and money. With a 2-minute application process, the majority of applicants receive instant credit decisions and immediate access to funding. Business owners enjoy access to unlimited free 1% cash back, credit limits up to £150,000, and as many employee cards as they need for their business to run smoothly and efficiently – all for free.

With offices in Atlanta, New York, London, Cardiff, and Edinburgh, Capital on Tap is well positioned to help small businesses across the UK and the US succeed.

Team Members

Alan Hart

CFO, Capital on Tap

Damian Brychcy

COO, Capital on Tap

David Luck

CEO, Capital on Tap


Capital on Tap Releases Virtual Cards to Provide Instant Access to Small Business Funding


The Open Banking, Open Finance and Open Payments community will come together in London at Open Banking Expo UK


Capital on Tap announces £200 million funding facility to support UK small businesses