Capital On Tap

Running a business is hard, we make it easier. Our business credit card has helped over 125,000 businesses access credit and hope to partner with over 1 million by the end of 2025. 

Founded 2012
201-500 employees
  • Banking, Corporate Finance, & Investing
  • Information Systems
  • Headquarters address
    The Tea Building, Shoreditch
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    Who we are

    Whether it's to pay for stock, get through a slow month or fuel high growth, small businesses often require funding to survive and thrive. Yet, the traditional funding options have long forms, slow response times, opaque fees and rigid underwriting criteria. We're here to solve that. Our technology allows small UK businesses to access funding painlessly. Our quick and simple application to access competitive funding allows business owners to get back to what they love, their business.

    Founded in 2012, Capital on Tap is on a mission to help small businesses thrive. We believe small business owners are the foundation for growth in our economy, and yet today’s banking system has left them behind. We have partnered with over 125,000 businesses across the UK deploying funding facilities of over £3bn to customers. We believe we still have a long way to go to make business funding truly available to every small business.

    We invest in our team and infrastructure to continuously move faster in an environment that has high energy and collaboration. Far from a beige cube-farm, our corporate headquarters in Old Street provides a dynamic, relaxed and fun culture. Today, we provide business cards and loans but as the needs of our customers evolve, our product will too. However, our end goal is always the same: building simple tools for real-world businesses to achieve great things.

    Location and Culture

    We are currently based near to Moorgate, Old Street and Liverpool Street stations, right in the heart of the city. We work in a fantastic open-plan office with a dynamic, relaxed and fun culture complete with pool table, office dogs and lots of fun company events! We work in a highly collaborative agile environment where everyone is looking to innovate.

    The Team

    We are a diverse team, all eager to learn more and to help each other out. We love building innovative systems, solving problems and working together to really make a difference in the business.

    We work in an agile methodology in small cross-functional teams which we feel saves time, increases efficiency and improves communication between everyone involved in the project.

    We offer great progression within the team, offering various routes in order to do so.
    Our team are given the freedom and autonomy to make empowered decisions, pilot new ideas and tech, and learn and share knowledge with their peers.

    Our product

    Capital on Tap provides small businesses in the UK instant credit decisions with immediate access to their entire credit facility. Our customers can use their credit facility to spend on their business credit card or transfer the funds to their high street bank account.

    Interview process

    The interview process can vary by role, but generally our approach is a short telephone interview, followed by an interview with a senior member of the team or hiring manager, followed by an objective exercise (such as a code pairing) and face to face interview (all on the same day). A small tip if you reach this stage : TDD is very important to us!

    Tech stack

    C#, NET, SQL, ASP.NET MVC, MongoDB, Redis, Azure, Javascript, HTML, CSS, React


    Compensation and retirement

    Pension plan

    Health and wellness

    Health insurance
    Dental insurance
    Fitness reimbursement
    Mental health benefits

    Vacation and time off

    Paid holidays
    Flexible working hours
    Work from home flexibility
    Maternity benefits
    Paternity benefits

    Personal development

    Tuition reimbursement
    Management training
    Job training
    Conferences reimbursement
    Mentorship opportunities
    Career growth

    Values and quality of life

    Accessible via public transportation
    Bike parking
    Employee groups and committees
    Snacks and beverages
    Company activities
    Games and recreation
    Pet-friendly workplace
    Employee discount programs
    Capital On Tap - Company Photo
    Capital On Tap - Company Photo
    Capital On Tap - Tech Track 100 (2017)
    Capital On Tap - Secret Santa!
    Capital On Tap - Fun and games in the office...
    Capital On Tap - Oops...
    Capital On Tap - Important meeting with key stakeholders
    Capital On Tap - Some of our newest recruits. Welcome aboard!
    Capital On Tap - Whiteboard discussions
    Capital On Tap - Members of our brilliant IT team
    Capital On Tap - Pair-programming
    Capital On Tap - Shooting some pool
    Capital On Tap - Company Photo
    Capital On Tap - Company Photo
    Capital On Tap - Company Photo
    Capital On Tap - Company Photo
    Capital On Tap - Company Photo