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
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
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
We are a multi million pound service industry business with approx 400 staff. The signing up process was clear, simple, efficient and seamless. The App is excellent and having a high interest savings... See more
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 t... 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
4.7
Excellent
18K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 98% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Only took 5 mins
So easy and cud use my card straight away , took 5 mins got my decision in seconds
May 11, 2026
Very simple and quick process
May 8, 2026
good service
May 8, 2026
Very easy!!!
May 11, 2026
I love the Capital on tap card
I love the Capital on tap card, its easy to use and very good.
Thank you
May 11, 2026
Excellent service during sign up and…
Excellent service during sign up and support while setting up.
May 11, 2026
This is a risk averse business finance…
This is a risk averse business finance company, in my opinion. It feels like a very one-sided relationship. I have had an account with them for 9 years. I have never missed a single monthly payment. They happily take my interest every month, but they never increase my credit facility, despite requesting an increase on several occasions. For that reason, I can not recommend.
May 11, 2026
Unprompted review
Reply from Capital on Tap
Hello,
Thank you for your review, we really appreciate you taking the time to provide us with your feedback.
We regularly review all of our customer accounts to make sure that we’re lending in the best possible manner. These reviews consider past spending and repayment behaviour along with the credit data available on your personal and business credit profiles.
We also check in on all of our accounts every few months to see the latest available data, which may lead to a credit limit increase.
Please do call our team on 0208 962 7401 if you would like to discuss this further.
Best wishes
Capital on Tap
Capital on Tap does Not Help As you grow
I explained to them that my monthly turnover is £80k and they still think that a £7k credit limit is suitable and refuse to increase it. I asked them to do a manual review and the same, they cannot increase the credit limit.
Of course they ask me to use "preloaded funds" i.e. the service which earns THEM interest on your cash.
It's clearly not suitable, I have a impeccable record for 3 years, actively using the card, 1000s of transactions a month, never missed a payment.
Capital on Tap is not suitable to help small businesses as they grow.
Very disappointed, and would not recommend.
May 11, 2026
Unprompted review
Reply from Capital on Tap
Hi Andrei,
Thank you for your review, we really appreciate you taking the time to provide us with your feedback.
We regularly review all of our customer accounts to make sure that we’re lending in the best possible manner. These reviews consider past spending and repayment behaviour along with the credit data available on your personal and business credit profiles.
We also check in on all of our accounts every few months to see the latest available data, which may lead to a credit limit increase.
Please do call our team on 0208 962 7401 if you would like to discuss this further.
Best wishes
Capital on Tap
Best Card for SME like my company
Best Card for SME like my company. PLUS fantastic custumer service.
May 11, 2026
Unprompted review
It has been very helpful and has got a…
It has been very helpful and has got a lot of benefits for business owners
May 5, 2026
It took a while to get the card
It took a while to get the card , but extremely useful to have it for purchasing materials, and cash back is handy too
May 1, 2026
Good good ok
May 5, 2026
Simple application process
Simple application process. Excellent customer service - easily accessible and responsive.
May 5, 2026
So easy to use
So easy to use, accepted at many places and great customer service from Madeline, thankyou cap on tap team
May 8, 2026
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