Uncapped 1% cashback
Earn rewards points on all card spending, and redeem for cash, gift cards and more.
Interest-free period of up to 42 days on card spending, with no annual fee.
Rates as low as 14.67% APR (variable)
Grow your business with a credit limit of up to £250,000.
Credit limits up to £250,000
Add cards for your team, and control spending with tailored limits.
Unlimited free company cards
Capital on Tap and Funding Options have partnered over a number of years to help hundreds of UK businesses access fast funding, and make running their businesses easier and more rewarding
Trusted by more than 200,000 businesses
More than 200,000 small business customers have spent more than £10 billion on their Capital on Tap business credit cards.
“The option to redeem points for air miles is what attracted me. The main thing is I now have one card that services all my needs.”
The credit card built for businesses
Funding Options has invited you to get a Capital on Tap business credit card - the card built for small businesses. Get uncapped 1% cashback on all card spending, unlimited free cards and fast cash transfers.
Come for the reward points, stay for the all-in-one spend solution.
Business spend just got more rewarding
Travel and gift card rewards
Make being your own boss even more rewarding by earning rewards on every business purchase.
Use your rewards to reduce your balance, convert to cash or Avios, or buy gift cards. Upgrade to our Pro plan for extra travel perks like unlimited lounge access.
1% cashback
Capital on Tap turns your business expenses into benefits with unlimited 1% cashback on all your business purchases.
Earn 1 point for every £1 you spend on your Capital on Tap Business Credit Card.
With Preloading, you can top up your balance to supercharge your rewards. Spend £50,000, and earn £500 in rewards points to redeem however you want.
24/7 support
If you’re awake, so are we. Contact us any time to talk to a real person who’ll answer in 10 seconds or less.
We're here 24/7 to assist you with any questions or concerns you may have.
Plug into your accounting software
Auto-sync transactions to Sage, Xero, FreeAgent, and more to save time and stay organised with our integrated accounting solutions.
Set it to auto-sync daily for hassle-free expense management.
Open an account online today
- Apply and get a decision in 2 minutes
- Make purchases immediately with your virtual cards
- Your physical card will arrive in just 2 business days
- Running your business just got easier
© Copyright 2025. New Wave Capital Limited (trading as Capital on Tap) is a private limited company incorporated in England and Wales under registered number 07959823 which has its registered office at 27 Old Gloucester Street, London, England, WC1N 3AX. Capital on Tap is authorised and regulated by the Financial Conduct Authority (firm reference number 625592 in respect of consumer credit activities) and is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, firm reference 900922, for the issuing of electronic money. Capital On Tap is a registered trade mark of New Wave Capital with the United Kingdom Intellectual Property Office. All rights reserved 2023.
*Valid for new customers only upon approval between 16th January 2025 and 16th June 2025.
