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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.