Company overview
HQ · London
Line of credit
Capital on Tap (legal entity: New Wave Capital Limited, trading as Capital on Tap) is a UK fintech that provides a business credit card and spend management platform for SMEs. It offers fast online applications with decisions in about 2 minutes, UK-based support, uncapped 1% cashback with options to convert to travel rewards, and credit limits up to £250,000. The company serves over 200,000 businesses and is FCA-authorised in the UK.
Company focus
- Headquarters
- London
- Founded
- 2012
- Employees
- 500+
- Specialties
- up to £250k limits, uncapped 1% cashback, instant decisions (~2 minutes), virtual and employee cards, accounting integrations (Xero, QuickBooks, Sage, FreeAgent), 24/7 UK-based support, Avios and Virgin Points travel rewards, partner program for brokers/accountants
Reported eligibility
- Monthly revenue from
- $2,000
Funding & terms
- Funding up to
- $250,000
Third-party reputation
- Reported research
- Trustpilot: 4.7/5 (17,883 reviews). FCA-authorised for business lending; UK-based so no BBB profile.
- Reading this research
- Third-party ratings are historical research, not a Plutus merchant rating. Legal and cost statements are attributed reports, not findings by Plutus; confirm the original sources and current terms.