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Capital On Tap Reviews [Read Our Expert Opinion]

Jane Wardle

Written by Jane Wardle on July 12, 2018

Updated July 12, 2018

capital on tap reviews

Overall Rated: 4.6 / 5


Capital On Tap started operating in 2012 and seeks to give small businesses a chance to grow and thrive through access to easy and quick credit. For over five years Capital On Tap has funded more than 40,000 firms within the UK with more than £400,000 to diverse businesses from small businesses, micro-retailers to multinational types of supply chains.

The lender is driven by innovation and technology harnessing it to provide an instant decision on credit, continuous credit upgrades and dexterous customer experience. Capital On Tap is available to UK-registered businesses and owners must be UK residents. Firms need to have a minimum turnover of £24,000 per year to qualify. Businesses are provided credit of up to £25,000 available to businesses on a Capital On Tap Mastercard and can also be transferred to a UK bank account within minutes.


Trust & Reputation

Rated 4.6/5

Capital On Tap credit line product is provided across the UK to small businesses to help them meet unexpected and pressing needs with credit of up to £25,000 that is easily transferable to a UK bank account or used in the provided Business Mastercard. Capital On Tap is the trading name of New Wave Capital Limited and registered to operate in Wales and England from their headquarters in London office. New Wave Capital Ltd is authorised and regulated by FCA (Financial Conduct Authority) and works with Mastercard International to provide Business Mastercards to its customers. Capital On Tap took home the Leading Payments Start-up 2017 award at the Emerging Payments Awards in celebration of the best payments offered in the industry.

The UK business lender had also appeared at number 48 at the 2017 Sunday Times Tech Track 100. Clearly, their harnessing of technology, responsive customer care, product quality and clarity from application to completion has been noted within experience and expertise of its operations.

Expertise & knowledge

Rated 4.6/5

Capital On Tap is the trading name of New Wave Capital Ltd created in 2012. The lender’s expertise has been felt across the board as small businesses have benefited from their unique credit facility and over £400 million having been delivered to UK businesses.

Innovative from its inception, Capital On Tap harnesses technology and novelty having been one of the few UK lenders to offer instant decisions on credit. Working with Mastercard to ensure businesses always have a Business Mastercard with the credit line transferable to a bank account within the UK requires skill and originality that Capital On Tap has in abundance.

Customer Service

Rated 4.6/5

Capital On Tap seeks to offer a quality lending service to businesses across the UK to their satisfaction. Out of over 1,600 reviews on Trustpilot, Capital On Tap has an ‘Excellent’ status courtesy of an impressive 5-star rating out of 5 and a 9.6 TrustScore out of 10.

The general consensus among customers is that the lender is modern, professional, responsive and fast. Customers praise the business for their professionalism and helpfulness as the service team are always on hand and willing to go the extra mile for their customers.