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Capital-on-Tap

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About Capital-on-Tap

Capital on Tap is a UK‑based fintech lender that provides flexible financing to small and medium‑sized businesses through its business credit card product, which acts as a revolving credit facility rather than a traditional loan. The card gives businesses access to credit limits of up to £250,000 and is designed to help manage cash flow, cover expenses, and support growth while offering perks like 1% cashback on eligible spending and interest‑free periods on purchases.

Amount

£1,000 - £50,000

Tenor

12 - 36 months

Min. approval time

24 hrs

Countries

Created on

March 2026

Last updated

March 2026

Requirements

The basic requirements to apply for a loan on Capital-on-Tap include:

  • •   UK‑registered business: The company must be incorporated in the UK as a limited company (Ltd) or limited liability partnership (LLP).
  • •   Minimum turnover: Applicants typically need a monthly turnover of at least £2,000 (about £24,000 annually).
  • •   Trading history: Businesses usually need at least three to six months of trading history.
  • •   Clean credit record: There must be no unsatisfied County Court Judgments (CCJs) against the business in the last 12 months.
  • •   Personal guarantees: Directors or business owners may need to provide a personal guarantee, which can affect approval depending on credit history.

How to Apply

To apply for a loan with Capital-on-Tap, visit the lender's website and click on "Get Started." If you meet the eligibility criteria and agree with the terms, complete and submit the online application form.


This lender claims it can approve applications on the same day they are submitted and disburse funds within 24 to 72 hrs.

Contact

Support Number

+44 20 3887 3740

Facebook Url

Capital-on-Tap

X (Formerly Twitter) Url

@Capital-on-Tap

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