--- title: Applying for a Capital on Tap Business Credit Card (UK) description: Your step-by-step guide to the application journey, from checking eligibility to spending on your card. --- [Skip to content](https://help.capitalontap.com/help/kb/applying-for-a-capital-on-tap-business-credit-card-uk#main-content) English Show submenu for translations Capital on Tap Open main navigation Close main navigation - English Show submenu for translations - Contact us Contact us How can we help you? - There are no suggestions because the search field is empty. 1. [DEPRECATED](https://help.capitalontap.com/help?hsLang=en) 2. [Uncategorized](https://help.capitalontap.com/help/uncategorized?hsLang=en) # Applying for a Capital on Tap Business Credit Card (UK) ## Your step-by-step guide to the application journey, from checking eligibility to spending on your card. ### Overview Applying for a Capital on Tap Business Credit Card is quick and done entirely online: - Most applicants get a decision in under two minutes. - You can access funds as soon as you are approved, before your physical card arrives. - There is nothing to book and no branch to visit. ### What to expect - Apply online in minutes using basic business and personal details. - A soft credit search that does not affect your personal credit score. - A quick identity check (a selfie and a photo of your ID). - Immediate access to funds once approved, via a virtual card or a bank transfer. - Your physical card delivered within 3-5 business days. ## The application journey, step by step ### Step 1: Check you are eligible You can apply if: - You are an active director or majority shareholder (25%+ ownership) of the business. - Your business is a UK-registered limited company (Ltd) or limited liability partnership (LLP). - You and your business are based in the UK. - Your business has a turnover of at least £24,000 a year. - You have no unsatisfied CCJs against you or your business in the last 12 months. We cannot accept applications from charities, non-profit organisations, trusts, funds, or Royal Charters. ### Step 2: Start your online application - Head to our website and start the online application. - Have your Companies House number to hand. - You will enter basic personal and business details. ### Step 3: We run credit searches - A soft search on your personal credit file - this does not affect your credit score and is not visible to other lenders. - A hard search on your business credit file. - If your personal credit file is frozen, you will need to unfreeze it before we can proceed. ### Step 4: Verify your identity (IDV) - You will complete a quick check to confirm your identity. - This needs a selfie and a photo of a valid passport or driving licence. - It is done via a secure link in the app, portal, or email, usually in a few minutes. - Identity verification is mandatory and cannot be skipped. ### Step 5: Provide any extra information we ask for Most applicants get an instant decision. Occasionally we email you within one business day to ask for a bit more, for example: - Proof of address - A business bank statement - Confirmation of beneficial ownership Providing this quickly helps us finish your review without delay. ### Step 6: Get your decision - Most decisions arrive in under two minutes. - Some applications need a manual review, which can take a few business days. - You do not need to reapply while a review is in progress. ### Step 7: Sign your personal guarantee - We ask for a personal guarantee from a director or major shareholder. - This is a standard part of the application. ### Step 8: Access your funds straight away Once approved, you do not need to wait for your physical card. You can immediately create a virtual card in your portal for online purchases or within your digital wallet (e.g. Apple Pay). ### Step 9: Receive and activate your card - Your physical card arrives at your registered business address within 3-5 business days. - When it arrives, log in to your portal and go to the Cards page. - Activate it there, and you can start using it straight away. ## FAQs ### What happens if my application isn't approved instantly? - Some applications are sent for a manual review, which usually takes a few business days. - We may email you during this time to ask for extra information, such as proof of address or a bank statement. - Keep an eye on your inbox, and check your spam or junk folder in case our emails land there. - You do not need to reapply while a review is in progress. ### My application was declined. Can I find out why, and can I reapply? - Applications can be declined for reasons such as not meeting the eligibility criteria, information on your credit file, or details that do not match our records. - We are not always able to share the reason. - If you would like to apply again, you can usually do so after 6 months. ### I get an error saying my email or account already exists. What should I do? - This usually means the email address is already linked to a Capital on Tap account or a previous application. - Each account needs its own unique email address, so try applying again with a different email. - If you think this is a mistake, or you need to reuse an email from a closed account, contact our support team and we will help. ### Will applying affect my credit score? - We run a soft search on your personal credit file, which does not affect your personal credit score. - We run a hard search on your business credit file, which can affect your credit score. ### What information do I need to apply? - Basic personal and business details, including your registered Companies House number. - We may email you within one business day for additional information, such as proof of address or a business bank statement. ### How long will my physical card take to arrive? - It is delivered to your registered business address within 3-5 business days. - Contact support if it has not arrived after 6 business days. ### I run more than one business. Can I apply for another card? - Yes. If you are a director of more than one company, you can hold a Capital on Tap account for each. - Remember each account needs its own unique email address. - [Uncategorized](https://help.capitalontap.com/help/uncategorized?hsLang=en) # Capital on Tap [mailto:email@email.com](mailto:email@email.com) Copyright © 2026, Capital on Tap