The credit card built for small businesses

Get unlimited 1% cashback on all card spending. Redeem for cash, Avios, gift cards, or against your balance. Apply and get a decision in 2 minutes.

– Go further with credit limits up to £250,000

– Rates as low as 14.13% APR (variable)

– No annual, FX, or ATM fees

Your details

Tell us who is applying for the business credit card.

Business Email Address *

Mobile Phone Number *

Salutation *

Date of Birth *

First Name *

Middle Name(s)

Last Name *

Business details

Search for your company and confirm the details.

Business Legal Name *

Start typing your registered company name and select it from the list.

Registered Company Number *

Business Type *

Business name as you want it on your card *

Monthly Turnover *

Are you a current director? *

Yes No

Address details

Enter your postcode, click Find Address, then choose from the dropdown or enter manually.

Business Address

Business Postcode *

Building Number

Building Name

Street *

City / Town *

Region / County

Postcode *

Home Address

Home Postcode *

Building Number

Building Name

Street *

City / Town *

Region / County

Postcode *

Final questions

Confirm how you would like to set up repayments and submit your application.

How do you want to set up your Direct Debit for monthly repayment? *

Full balance Minimum payment

Are you looking to send cash from your credit facility to your bank account? *

Yes No

I confirm that I have read and agree to British Business Funding's Privacy Policy. I confirm that I have read and agree to Capital on Tap's Privacy Policy.

Applying won't affect your credit score. See if you're approved with a soft search, subject to eligibility criteria. A visible mark will be made on your commercial file when you sign your credit agreement.

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Trusted by over 200,000 businesses

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Draw down cash to bank with no fees

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Convert points to Avios for free

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Auto-sync with accounting software

Stay in control of your business spending

Manage your business spending with smart controls and real-time visibility. No annual fee.

Track card spending in real-time
Make instant purchases with virtual cards
Get free company cards with spending limits
Auto-sync to Sage, Xero, QuickBooks, FreeAgent, and more

Apply Now

Spend beyond your credit limit

Don’t let a big purchase get away. Preloading lets you add your own funds to your account, expanding your spending power for those crucial business investments.

Make large purchases: Ideal for new equipment, large stock orders, or key supplier payments that exceed your limit.
Never miss out on rewards: Still earn uncapped 1% cashback on every pound you spend using preloaded funds.
Get a Pro-tier boost: Pro plan members earn an exclusive 1.25% cashback on all preloaded spending.

Apply For a Business Credit Card

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Why choose Capital on Tap in partnership with British Business Funding?

Over 200,000 small business customers have spent more than £20 billion on their Capital on Tap Business Credit Cards.

Their customer stories prove why they are the best choice for your business credit card needs.

Apply For a Business Credit Card

Commonly Asked Questions About Business Credit Cards

What is a business credit card and how does it work?

A business credit card gives your company access to a revolving line of credit that can be used for everyday business expenses, purchases and managing short-term cash flow. Unlike a traditional business loan, you can repeatedly use the available credit as you repay your balance. The Capital on Tap Business Credit Card available through British Business Funding also allows you to track spending, issue employee cards and manage expenses online.

Who is eligible for a Business Credit Card?

These Business Credit Cards are available to eligible UK-registered limited companies, LLPs and PLCs. Applicants must be an active director or qualifying shareholder and live in the UK. Your business must also be active on Companies House and meet Capital on Tap’s credit and eligibility criteria. There is currently no minimum trading history required to apply.

How much can I borrow on a business credit card?

Eligible businesses can access a credit limit of up to £250,000 with the Capital on Tap Business Credit Card. The credit limit offered will depend on your business circumstances and the results of Capital on Tap’s assessment. You can also use Preloading to add your own funds to the card if you need to make purchases above your available credit limit.

Will applying for a business credit card affect my personal credit score?

Applying for the Capital on Tap Business Credit Card involves a soft search of your personal credit file, which does not affect your personal credit score. A hard search is carried out on your business credit file but only after you sign any given credit agreement.

Does the Capital on Tap Business Credit Card offer cashback or rewards?

Yes. The Capital on Tap Business Credit Card offers unlimited 1% cashback on card spending. Reward points can be redeemed for cash, used towards your card balance or gift cards, or converted into rewards including Avios and Virgin Points. The standard card also has no annual, foreign exchange or ATM fees, helping businesses earn rewards from their everyday spending.