Head to head
Capital on Tap vs Got Capital: Which UK Business Finance Provider in 2026?
Side by side: what each lender offers UK limited companies and LLPs, and what each one publishes.
Free · 2 mins
Start here · What do you need?
What Capital on Tap offers: business credit card with revolving credit line. Ticket range: up to £250k credit limit (its own figure). Rate: from 13.86% APR (variable); no interest on card spend if the balance is cleared in full. What Got Capital offers: revenue-based business funding advance. Ticket range: £2k to £300k (its own figure). Rate: factor fee, quoted at offer. Capital on Tap suits cash-flow cards on monthly cycle. Got Capital suits Ltd companies, LLPs and partnerships of four or more partners that don't want to give a personal guarantee. The table below compares ticket range, typical rate, decision time and soft search at quote.
Source: FundBiz methodology. Editorial by Best Business Loans Ltd (16833937).
Capital on Tap, at a glance
- Product
- Business credit card with revolving credit line
- FundBiz editorial view
- Best for cash-flow cards on monthly cycle
Got Capital, at a glance
- Product
- Revenue-based business funding advance
- FundBiz editorial view
- Best for Ltd companies, LLPs and partnerships of four or more partners that don't want to give a personal guarantee
Side-by-side
Full profiles: Capital on Tap · Got Capital
| Compared on | Capital on Tap | Got Capital |
|---|---|---|
| Product type | Business credit card with revolving credit line | Revenue-based business funding advance |
| Ticket range | Up to £250k credit limit (its own figure) | £2k to £300k (its own figure) |
| Typical rate | From 13.86% APR (variable); no interest on card spend if the balance is cleared in full | Factor fee, quoted at offer |
| Decision time | Decision in 2 minutes (Capital on Tap's own figure) | Decision and funding within 24 hours, says Got Capital (funds 1 to 24 hours after approval) |
| Lender's own soft search at quote | Yes, says the lender | Yes, says the lender |
Sources: Capital on Tap's own site · Got Capital's own site. Figures change; confirm with the lender before you rely on one.
FundBiz enquiries are for limited companies, LLPs and partnerships with four or more partners. Some lenders on this page also accept other business types; we do not arrange those and do not recommend a lender on that basis.
When Capital on Tap may fit
- Applying won't affect your credit score and the decision comes back in minutes, per Capital on Tap's own site (checked 23 September 2026).
- No interest if statement balance is cleared in full each month.
- Unlimited 1% cashback on card spend, redeemable for cash, Avios, gift cards or against the balance (Capital on Tap's published terms).
Best for
Cash-flow cards on monthly cycle, Borrowers wanting a quick decision (it says 2 minutes).
Watch outs
- Cash-advance APR materially higher than card-spend APR; using it as cash erodes the maths.
- Personal guarantee required from a director.
- Credit limit can be reset down without warning if account behaviour changes.
Lender figures and criteria: Capital on Tap's own site; full notes in our Capital on Tap review.
When Got Capital may fit
- No personal guarantee in the standard advance structure.
- Three-month minimum trading bar, useful for newer businesses.
- Rated Excellent on Trustpilot: 4.6 out of 5 from 689 reviews (Trustpilot, checked 23 September 2026).
Best for
Ltd companies, LLPs and partnerships of four or more partners that don't want to give a personal guarantee, Businesses with £5,000+ monthly revenue (Got Capital's published minimum, checked 9 Oct 2026), Recently-trading SMEs (3 months+).
Watch outs
- Factor-fee quoting hides effective APR.
- Decisions tied to revenue history, not balance-sheet strength.
- Got Capital says advances above £100,000 need twelve months of trading (its own site, checked 9 Oct 2026).
Lender figures and criteria: Got Capital's own site; full notes in our Got Capital review.
FAQ
Capital on Tap or Got Capital: which is the better UK business finance provider in 2026?
Neither is better for every business. The 'When Capital on Tap may fit' and 'When Got Capital may fit' sections above say who each one suits, and the side-by-side table shows what each lender publishes. Check each lender's own criteria before you apply.
Which is weakest for what?
Capital on Tap is a poor fit for long-tenor capex finance. Got Capital is a poor fit for borrowers wanting fixed-term predictable APR. If either of those describes your business, look at the side-by-side table for the alternative, or read our other lender reviews.
Can FundBiz help with Capital on Tap or Got Capital?
FundBiz is not a lender and is independent of both. This comparison and our lender reviews are editorial research to help you decide which to approach. FundBiz doesn't pass your enquiry to either lender. If you send an enquiry through FundBiz, we pass it to one of the finance partners we work with, who will contact you about your options.
Who can send an enquiry through FundBiz?
The FundBiz enquiry form is for limited companies, LLPs and partnerships with four or more partners. Eligibility for Capital on Tap and Got Capital is set by each lender, and trading history requirements vary, so check each lender's own criteria.
How we ranked these lenders
Every lender is scored on the same four FundBiz criteria: pricing transparency, eligibility clarity, decision speed and treatment of declined applicants. Scores are our own desk-research assessment built from the FCA Register, Companies House filings and each lender's published product sheets, not customer reviews and not hands-on product testing. Each comparison shows the date it was last updated. Inclusion is never paid for, and FundBiz receives no commission from lenders. FundBiz is paid a fixed fee by one of the finance partners we work with for each enquiry we pass on. See our full methodology.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. It's free and there's no obligation. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman. Last updated: . Editorial by Best Business Loans Ltd (16833937).