Capital on Tap is a financial technology company based in London, founded in 2012 by CEO David Luck. The company focuses on providing small businesses with easy access to funding through innovative technology. Its primary product is the Capital on Tap Business Credit Card, which offers flexible capital, higher credit limits of up to 50,000, and tailored rewards like points and cashback. The company has also evolved from offering fixed-term loans to providing monthly payment cycles and fee-free products.

Having lent over 4 billion to more than 200,000 small business customers by its 10th anniversary, Capital on Tap expanded into the United States in 2021. The company integrates with various accounting software and supports Apple Pay for added convenience. With a strong emphasis on customer support, Capital on Tap operates a 24/7 in-house support center in Cardiff, Wales, ensuring high-quality service for its customers in both the UK and US markets.