Capital on Tap Referral Code

Capital on Tap stands out as a premier provider of business credit cards and financial tools designed specifically for small businesses in the UK and beyond. With a focus on rewards, flexible spending, and seamless management, it empowers entrepreneurs to grow their operations without the usual financial hurdles. Whether you’re seeking cashback on everyday purchases or high credit limits, Capital on Tap delivers innovative solutions tailored to modern business needs.

What is Capital on Tap?

Capital on Tap is a dynamic fintech company revolutionising how small businesses access credit and manage finances. Founded to address the unique challenges faced by entrepreneurs, it offers a suite of business credit cards that combine the convenience of traditional cards with cutting-edge digital features. Trusted by over 200,000 businesses, Capital on Tap has processed more than £20 billion in spending, proving its reliability and appeal to UK-based companies looking to optimise their cash flow.

The platform emphasises user-friendly tools that integrate effortlessly into daily operations, from real-time expense tracking to automated accounting syncs. Unlike generic credit options, Capital on Tap prioritises business-specific perks, ensuring that every transaction contributes to your company’s growth. This commitment to innovation and customer-centric design makes it an essential partner for startups and established SMEs alike.

Products and Services

At the heart of Capital on Tap’s offerings is its flagship Business Credit Card, available in tiers like Free and Pro to suit different business scales. This card provides unlimited credit limits starting from generous amounts up to £250,000, allowing you to scale spending as your business expands. Additionally, the Instant Savings account, powered by a trusted banking partner, lets you earn competitive interest rates of up to 4.07% AER (variable) on deposits from just £1, with no monthly fees or withdrawal penalties.

Capital on Tap also includes employee cards for team members, complete with customisable spending limits, and virtual credit cards for secure, instant online purchases. For travel enthusiasts, the Travel Credit Card option unlocks enhanced rewards, while the Bill Pay Beta feature streamlines supplier payments. These products integrate via a mobile app rated 4.9/5 on both Apple and Google Play stores, offering 24/7 phone support and chat from 8am to 8pm.

• Business Credit Card: Earn 1% cashback on all spending, redeemable for cash, Avios points, gift cards, or balance reductions.
• Instant Savings: Flexible, high-yield savings with instant access and auto-sync capabilities.
• Expense Management Tools: Real-time tracking and integration with accounting software like Sage, Xero, QuickBooks, and FreeAgent.
• Preloading Feature: Top up your account to exceed credit limits while still earning rewards on preloaded funds.

Key Features

What sets Capital on Tap apart are its innovative features that prioritise control and efficiency. The card boasts no annual fees, no foreign exchange fees, and no ATM charges, making it ideal for international business dealings. Rates as low as 14.13% APR (variable) ensure affordability, and applications yield decisions in just 2 minutes, streamlining the approval process for busy owners.

Avios conversion is now free for all tiers, turning everyday spending into travel rewards through partnerships with British Airways. The Pro tier enhances this with up to 1.25% cashback on preloaded spends and additional travel perks. Security is paramount, with real-time notifications and spending controls to prevent unauthorised use, while the app’s intuitive dashboard provides actionable insights into your finances.

Integration is seamless, allowing automatic syncing with popular accounting platforms, which saves hours on reconciliation. For teams, issuing free company cards with limits ensures accountability without extra costs. These features collectively make Capital on Tap a versatile powerhouse for managing business finances on the go.

Benefits

Choosing Capital on Tap brings a host of tangible benefits that directly fuel business success. The unlimited 1% cashback on all purchases means you recoup value from every expense, whether it’s office supplies or client entertainment. High credit limits up to £250,000 provide the breathing room needed for growth opportunities, without the rigidity of traditional loans.

Customers rave about the excellent customer service, with a 4.7/5 Trustpilot rating reflecting quick resolutions and reliable support. The absence of hidden fees keeps costs predictable, allowing better budgeting. For UK businesses, the tax-deductible rewards and easy expense categorisation simplify compliance and boost profitability.

Looking to maximise savings on your Capital on Tap usage? BudgetFitter is the perfect companion for UK shoppers, helping you track the latest deals and discounts on financial tools like these. Access exclusive offers through the BudgetFitter website, browser extension, or mobile app to ensure you’re always getting the best value from your business spending.

History and Background

Capital on Tap was established in 2012 by a team of finance experts aiming to disrupt the stagnant business credit market. Starting in London, the company quickly gained traction by leveraging technology to offer fast approvals and reward-driven cards that banks overlooked. Its growth accelerated through strategic partnerships and a focus on small business needs, expanding to serve the US market while maintaining a strong UK presence.

Over the years, Capital on Tap has evolved from a simple credit provider to a full-fledged financial ecosystem, incorporating savings accounts and advanced analytics. Milestones include surpassing 200,000 customers and enabling £20 billion in transactions, all while earning accolades for innovation in fintech. Today, it continues to innovate, with features like Avios integration and preloading reflecting its forward-thinking ethos.

The company’s commitment to sustainability and digital accessibility has solidified its reputation as a leader in inclusive finance. By prioritising transparency and user empowerment, Capital on Tap has become a cornerstone for entrepreneurs navigating economic uncertainties.

Special Offers and Savings

Capital on Tap regularly rolls out attractive promotions to enhance value for new and existing users. New applicants can benefit from instant savings access upon approval, combining credit with high-interest deposits for compounded returns. The Pro tier upgrade offers boosted cashback rates up to 1.25% on select spends, ideal for high-volume businesses.

Referral codes provide a straightforward way to unlock perks, such as enhanced rewards during the application process. Seasonal deals often include bonus Avios points for travel-related spending, helping you save on business trips. With no-fee structures across the board, these offers ensure long-term savings without compromising on features.

To stay ahead of the curve on Capital on Tap specials, savvy users turn to resources that aggregate the best opportunities. This approach not only amplifies your rewards but also aligns with broader financial strategies for UK businesses aiming to thrive.

In summary, Capital on Tap empowers small businesses with robust credit solutions, reward programmes, and management tools that drive efficiency and growth. Its blend of accessibility, innovation, and customer trust makes it a top choice for entrepreneurs seeking financial flexibility.