Capital on Tap

High Growth Innovator

Business Lending


Capital on Tap is one of the biggest and fastest-growing alternative SME lenders in the UK. Since its launch in 2012, Capital on Tap has strived to challenge major banks and traditional lenders, by offering small businesses a faster and more transparent way to access funds. As a result, Capital on Tap has now helped over 100,000 UK SMEs by providing them with funds worth over £1.7 billion. The company has also successfully expanded into Spain. 

With a 2-minute application, instant credit decision and same-day access to funds, Capital on Tap offers its customers flexible business funding solutions vital to maintaining their cash flow. 

The company also provide its small businesses with a business credit card that comes with several features such as free cards for employees, integrations with customer’s business accounting software, card-level spend controls and leading cashback and rewards programmes allowing them to borrow funds with all the benefits of a payment system that they previously found hard to access. 

Team Members

Alan Hart

CFO, Capital on Tap

Damian Brychcy

COO, Capital on Tap

David Luck

CEO, Capital on Tap


Capital on Tap Reaches New Milestone of Lending More Than Two Billion Pounds to Small UK Businesses