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Capital on Tap
The credit card built for small businesses
About Capital on Tap
Capital on Tap is a financial technology company that provides business credit cards and working capital for small and medium-sized enterprises (SMEs) in the United States and the United Kingdom. The company serves over 200,000 businesses, offering them tools to manage their finances and access funding.
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Their primary product is a business credit card that allows for high spending limits and can be used for various business expenses. The company's business model is centered on providing credit to SMEs. It generates revenue through the interest on the credit lines provided to its customers and likely through interchange fees on card transactions. Capital on Tap has secured significant funding facilities to support its lending activities and expand its services. The company has also partnered with other financial institutions, such as ClearBank, to offer additional products like business savings accounts, enhancing its value proposition for SMEs.
At a glance
- Status
- Operational
- Founded
- 2012
- Headquarters
- London, United Kingdom
- Employees
- 1,012
- Open positions
- None listed
- Dealroom signal
- 93.6/100
- Industry
- Fintech
- Sub-industry
- Mortgages & Lending
- Sector
- Fintech, SME, Rumoured $1B, Credit Card, Business Lending, uk is8 financial services
- Client focus
- b2b
Knowledge graph
More headlines
Funding history
Company financing events and reported valuations.
| Deal type | Date | Amount | Valuation | Investors | Source |
|---|---|---|---|---|---|
| LENDING CAPITALOther financing | May 2025 | $858M | — | Societe Generale · Lloyds Bank · SMBC Capital Markets | ↗ |
| LENDING CAPITALOther financing | Feb 2025 | $990M | — | BNP Paribas · Blue Owl Capital · Citi | ↗ |
Growth signals
Latest recorded traffic for Capital on Tap is 610K monthly website visits, up 29.8% over the last three months. Capital on Tap's team grew 13.7% over the past year.
Similar companies
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Investments and acquisitions
Recent portfolio relationships for companies that also act as investors or acquirers.
Investors
From Dealroom's funding and investor records, grouped by the round each investor first entered.
Series B and later3 investors entered at this stage
BNP Paribas
Atalaya Capital- HSHSBC Securities
Other known investors11 additional known investors
Citi
M&G
Blue Owl Capital
Inter National Bank
JP Morgan
Lloyds Bank
Pollen Street Capital
SMBC Capital Markets
Societe Generale
Triple Point Ventures
Värde Partners
Source: Dealroom Talent Intelligence.
Global footprint
team presence
Market sentiment
An AI-synthesised read of the highest-engagement posts about Capital on Tap on X, ranked by likes and reposts, corporate channels excluded.
Reading the room on X — pulling top posts and synthesizing themes…
Source: X recent search ranked by engagement (likes + retweets) · Synthesis by Claude · Cached for 1 hour
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