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Capital on Tap Reviews 18,134

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TrustScore 4.5 out of 5

4.7

Non-Bank Financial Service
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Review summary

Created with AI, based on recent reviews

Evaluating 2,328 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently highlight the ease and simplicity of the application process, noting it is quick and user-friendly, often with rapid approval decisions. The service is consistently praised for being excellent, straightforward, and efficient, making it a valuable asset for businesses seeking cash flow. Many people appreciate the helpful and professional customer service, with staff often described as understanding and supportive. The accompanying app is frequently lauded as excellent, easy to use, and well-designed, providing useful features for managing finances and tracking expenses. However, some customers also noted issues with customer service, mentioning unhelpful responses, declined payments, and a lack of flexibility regarding billing dates and fees. A few other people also felt that the process for providing documentation was overly bureaucratic and confusing, and that the app did not always show interest paid.

What people talk about most

User experience

Customers had positive experiences with user experience, consistently praising the ease of use and navigation... See more

Service

Clients share positive opinions on service, with many reviewers describing it as excellent, easy to use, and... See more

Customer service

Reviewers highlight positive aspects of customer service, with many praising the helpfulness,... See more

Staff

Users describe positive interactions with staff, often highlighting their helpfulness, professionalism, and... See more

Application

Customers consistently note positive experiences with the app, praising its ease of use, intuitive design,... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Easy application. Decision in minutes. Often in business borrowing can be stressful or just having that additional cash flow when needed. COP application made it easy to follow. Also the app is good,... See more

Rated 5 out of 5 stars

When you need an injection of cash flow the last thing you need is a cumbersome system from lenders. Capital On Tap was easy to navigate and obtain an early decision with the fascility ready to use s... See more

Rated 5 out of 5 stars

We are a multi million pound service industry business with approx 400 staff. The signing up process was clear, simple, efficient and seamless. The App is excellent and having a high interest savings... See more

Rated 5 out of 5 stars

Service - it was very easy way to set up your company's card. Application - it was quite effortless and user friendly. User experience - enjoyed overall experience, it was very easy for me t... See more

Company details

  1. Non-Bank Financial Service
  2. Cashback Provider
  3. Financial Institution

About Capital on Tap

Written by the company

At Capital on Tap, our mission is to make running a small business as easy as possible.

We understand that the day-to-day operations of a business can be challenging, which is why we've developed tools and resources that empower business owners to streamline their operations, access fast funding, and earn rewards.

So, if you're looking for a better way to run or grow your business – whether you’re an electrician wanting to buy supplies for your next job or a consulting company wanting to consolidate your team's spend – join the 200,000 businesses across the UK and the US that have placed their trust in Capital on Tap.

The credit card built for small businesses

Written by the company

- Uncapped 1% cashback with no annual fee
- Practical credit limits up to £250,000
- Free company cards with spend controls

Contact info

4.7

Excellent

TrustScore 4.5 out of 5

18K reviews

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Asks customers to review

This company invites their customers to review, whether positive or negative

Replied to 98% of negative reviews

Typically replies within 1 week

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Rated 1 out of 5 stars

One of the most frustrating customer service experiences I’ve had.

I dealt with Joshua, Sam and Jamal regarding a repayment arrangement and received contradictory information from different agents over several weeks. One agent confirmed there would be no payment due until the end of June, another suddenly claimed normal payments resumed in May, despite earlier agreements and call recordings confirming otherwise. I then had to repeatedly chase recordings and explanations myself just to establish what had actually been agreed.

The whole process felt disorganised and poorly managed, with staff seemingly unable to see or honour arrangements made by colleagues. Instead of helping a customer in financial difficulty, the situation created unnecessary stress, confusion and hours of wasted time.

Very disappointing experience with Capital on Tap’s customer service and internal communication.

21 May 2026
Unprompted review
Rated 5 out of 5 stars

Far superior to Tide

I was referred to Tide as a new business, which turned out to be useless. Capital on Tap has been excellent, taking the hassle out of running a business rather than adding to it. Lots of really useful perks and really easy to set up. Thoroughly recommended.

14 May 2026
Rated 5 out of 5 stars

What got me the most was the competency…

What got me the most was the competency and helpfulness of the staff. It made a lovely change to deal with normal nice people. The system is also great with links to help account for the card and integrate into your accounts programs. All good so far.

20 May 2026
Rated 4 out of 5 stars

The product is good

The product is good, the app works very well,

My only grumble is the bureaucratic process in providing documentation, there's process, and there's overbearing process, having to certify my share structure even though I provided documents to verify this was a real hassle, yes I know you have to go through disclosure hoops and are audited by financial oversight authority, but the application of the rules would be a little more flexible

20 May 2026

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