Rating based on 29 reviews

Capital on Tap


  • Payday loans up to £100,000
  • Earn points
  • Low-interest starting from 9.9%

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Capital on Tap homepage

Author Capital on Tap. Screenshot of Capital on Tap website. [Accessed September 12, 2019]

About Capital on Tap

Capital on Tap is one of the UK’S fastest developing companies.

We have gained a total of £140 million in additional capital in the form of £90 million in debt finance from London-based investment houses.

Our company mission

We help small businesses flourish. That’s our mantra here at Capital on Tap and it’s driven our offering since day one. Knowledge is power, arm yourself. Since it’s establishment in 2012, Capital on Tap has accomplished with the offering of major banks, by providing small businesses skilful, quicker and a more clear way to finance their business.

Get a business loan within minutes

Capital on Tap has already supplied over £500 million in capital to more than 40 000 small businesses across the UK, ensuring it to serve more small businesses. We continue to see small businesses being underserved by retail banks and we are trying to resolve that issue. At Capital on Tap, we support thousands of small businesses by offering them a business loan up to £50 000 in minutes.

Capital on Tap Services

With 99% of businesses in the EU falling below the small business umbrella, it is simple to see why many become the backbone of the economy.

Banks have resumed reducing or outright denying vital capital to many SME's a factor that has only intensified since the 2008 financial catastrophe.

The fundamental issue

Largely banks are lacking to provide the capital solutions SME's so desperately need and even those who do manage to acquire funding from a bank often find that borrowing is a complex process which redirects their attention from their business. Fundamentally, the present condition is unsustainable.

Alternative credit options

As over two-thirds of private-sector jobs throughout the continent and grant more than half of the total value generated by businesses across the European Union, more obligations to be done to defeat market deficiencies. To defeat this problem, there has been the emergence of alternative loaners, credit cards or invoice factoring- more of these services are being offered by non-bank loaners like ourselves.

Capital on Tap Product Details

  • Loan Type Payday loans
  • Interest Rate 9.9 – 39.9% p/a
  • Loan Amount up to £100,000

Summary of Services

  • No hidden fees
  • 56 interest free days
  • Get membership rewards

Quick online payday loans, Capital on Tap makes it convenient for their clients

If your business sells on payment terms, one of the great faults you can make is presuming each of your clients operates the same way.

How Capital on Tap is helping SME’s overcome concerns for their financial future

At Capital on Tap, we provide highly automated decision engines, lucidity on pricing and excellent consumer service and unlike with bank-based financing options, our clients receive capital in hours or days, rather than weeks or months. Additionally, as alternative lenders, we resume to innovate and work on strong technology platforms, which give businesses simpler access to details and lower operating expenses.

What makes our company different

We see ourselves as a technology business first, we just happen to be in finance as this is the way we can assist businesses to reach their goals. We have constructed a spirited culture where our employee's chance for development is as big as their aspirations.

We are located on Worship Street, close to Liverpool Street, Old Street and Moorgate tube stations and we are presently looking for people to join our skilful and close-knit team, not forgetting our affordable office dogs.

Our customers in the UK

We have teamed up with over 50 000 business across the UK. Whether it’s tight cash flow issues or building embellishments we are here for small business. We’ve helped more than 50 000 business across the UK get a quick payday loan. Managing a business is difficult. We trust that gaining funds for your business shouldn’t be bewildering or stagnant.

Cash or card? Your choice

You have the power to choose how to use your instant loan. Spend on your Business MasterCard or send capital straight to a bank account. The extra finance represents another imperative step in the ongoing development story of Capital on Top. We were featured on the Sunday Time Tech Track 100 for 2017, cataloguing the 100 fastest developing customers in the UK.

Customer Reviews & Testimonials

April 2019

Great service. I would recommend them for anyone

Garry S
— London —

July 2019

They helped me pay the bills when I was really desperate

Phil A
— Cardiff —

Capital on Tap Contact Details

Physical Address

  • 7th Floor, The Tea Bldg, 56 Shoreditch High St London E1 6JJ United Kingdom
  • Get Directions

Postal Address

  • Fourth Floor, 70 Wilson St, London, EC2A 2DB, United Kingdom

Opening Hours

  • Monday 09:00 – 18:00
  • Tuesday 09:00 – 18:00
  • Wednesday 09:00 – 18:00
  • Thursday 09:00 – 18:00
  • Friday 09:00 – 18:00
  • Saturday 09:30 – 17:30
  • Sunday 09:30 – 17:30