Head to head
Capital on Tap vs Investec: 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 Investec offers: corporate banking + asset finance + commercial property. Rate: bespoke. Capital on Tap suits cash-flow cards on monthly cycle. Investec suits companies turning over more than £25m. The table below compares typical rate.
Source: FundBiz methodology.
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
Investec, at a glance
- Product
- Corporate banking + asset finance + commercial property
- FundBiz editorial view
- Best for companies turning over more than £25m
Side-by-side
Full profiles: Capital on Tap · Investec
| Compared on | Capital on Tap | Investec |
|---|---|---|
| Product type | Business credit card with revolving credit line | Corporate banking + asset finance + commercial property |
| Ticket range | Up to £250k credit limit (its own figure) | Not published |
| Typical rate | From 13.86% APR (variable); no interest on card spend if the balance is cleared in full | Bespoke |
| Decision time | Decision in 2 minutes (Capital on Tap's own figure) | Not published |
| Lender's own soft search at quote | Yes, says the lender | Not published |
| Lender lends to limited companies only | Not stated | Yes |
Sources: Capital on Tap's own site · Investec'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 Investec may fit
- Lending is handled by a relationship banker rather than an online application.
- Suited to larger, bespoke facilities.
- Wider banking platform (deposits, FX, treasury) attached to lending.
- PRA-regulated; FSCS protection on linked accounts.
Best for
Companies turning over more than £25m, Larger, bespoke facilities, Borrowers wanting a banker relationship.
Watch outs
- No published decision time.
- Not self-serve; direct relationship required.
- Works directly with companies turning over more than £25m (its own figure, on its private companies page); smaller firms must go through an intermediary for asset finance.
Lender figures and criteria: Investec's own site; full notes in our Investec review.
FAQ
Capital on Tap or Investec: 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 Investec 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. Investec is a poor fit for companies turning over under £25m that want to bank with it directly (smaller firms reach its asset finance through an intermediary). 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 Investec?
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. If you send an enquiry and ask for funding options, we may pass your details to one of the finance partners we work with, and that can include a lender reviewed on this site.
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 Investec 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. We may be paid by the finance partners we introduce you to. This could be a fixed fee or commission, depending on the partner and the finance arranged. It does not change what you pay. 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.
Founder & Managing Director, Muswell Rose, FundBiz
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind FundBiz. His background runs through commercial finance, mortgages and fintech, including as managing director of an invoice finance business. He oversees FundBiz's guides and lender reviews.
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