Capital On Tap Alternatives
This guide lists five UK focused alternatives to Capital On Tap, so buyers can compare speed, eligibility, products, and pricing before applying. Data was generated on 2025-11-21T12:30:00Z; always confirm current terms with the provider.
Quick Compare:
1. Pleo
Pleo focuses on expense management solutions tailored for UK businesses. It provides smart company cards and software designed to streamline spending and control. Known for quick setup, it suits firms seeking efficient expense control without traditional loans.
Loan and pricing details
- Min amount: Unknown
- Max amount: Unknown
- APR min: Unknown
- APR max: Unknown
- Loan durations: Up to 12 months for overdrafts
Funding range note: Unknown
Speed: Instant access through smart cards
Interest rate notes: Interest rates on Pleo Overdrafts start at 6% for extended repayment periods.
Eligibility
- Min trading months: Unknown
- Min monthly turnover: Unknown
- Credit flexibility: Moderate flexibility with tech-focused solutions
Personal guarantee: No personal guarantee required.
Homeowner advantage: Not applicable
Services and sectors
- Products: expense_management, business_credit
- Industries: Tech-savvy businesses, SMEs
Best for
- Startups seeking streamlined expense management
- Businesses aiming for automated financial controls
Pros
- Automated financial control
- Integration with modern business tools
Cons
- Not a traditional loan provider
- Primarily expense management
Sources: https://www.pleo.io/en/pricing https://blog.pleo.io/en/what-is-pleo-overdraft
2. Ramp
Ramp specialises in spend management and corporate card services for UK businesses. It offers integrated tools to manage expenses, control budgets and automate transactions. Its fast implementation makes it suitable for firms seeking efficient financial oversight.
Loan and pricing details
- Min amount: Unknown
- Max amount: Unknown
- APR min: Unknown
- APR max: Unknown
- Loan durations: N/A
Funding range note: Unknown
Speed: Fast implementation and transactional operations
Interest rate notes: Pricing and interest are subscription and transaction-based, not traditional APR.
Eligibility
- Min trading months: Unknown
- Min monthly turnover: Unknown
- Credit flexibility: Varies based on spending habits
Personal guarantee: Typically no personal guarantee needed.
Homeowner advantage: Not applicable
Services and sectors
- Products: spend_management, corporate_card
- Industries: Corporate, Finance-focused enterprises
Best for
- Businesses needing comprehensive spend tracking
- Companies looking to streamline financial operations
Pros
- Seamless financial integration
- Efficient cost management
Cons
- Not a direct loan provider
- Subscription-based cost
Sources: https://ramp.com/
3. Barclaycard
Barclaycard offers business credit and charge cards tailored for UK firms. It supports flexible credit limits and quick decision making, making it suitable for businesses that require ongoing credit facilities or revolving credit options.
Loan and pricing details
- Min amount: Unknown
- Max amount: Unknown
- APR min: Unknown
- APR max: Unknown
- Loan durations: Card terms ongoing
Funding range note: Dependent on card limits offered
Speed: Credit decision typically in days
Interest rate notes: Interest rates vary; typical purchasing APR applies.
Eligibility
- Min trading months: 6
- Min monthly turnover: £2,000
- Credit flexibility: Moderate, credit check necessary
Personal guarantee: May require guarantees based on creditworthiness.
Homeowner advantage: Improved likelihood for approval
Services and sectors
- Products: business_credit_card
- Industries: Broadly applicable
Best for
- Established businesses seeking credit rewards
- Companies with predictable spending cycles
Pros
- Cashback rewards
- Wide acceptance
Cons
- Dependent on creditworthiness
- Potential fees
Sources: https://www.barclaycard.co.uk/business/cards/credit-cards/ https://www.barclaycard.co.uk/business/cards/rewards/
4. American Express UK
American Express UK focuses on premium business cards that often emphasize rewards and travel perks. It provides options suitable for firms wanting flexible credit solutions with added benefits and concierge services, often available with quick approval processes.
Loan and pricing details
- Min amount: Unknown
- Max amount: Unknown
- APR min: Unknown
- APR max: Unknown
- Loan durations: Ongoing card usage terms
Funding range note: Varies by card type and credit limit
Speed: Approval typically within days
Interest rate notes: Rates are card-specific; generally variable.
Eligibility
- Min trading months: 12
- Min monthly turnover: Unknown
- Credit flexibility: Standard, credit check required
Personal guarantee: May be required based on credit evaluation.
Homeowner advantage: Improved credit assessment
Services and sectors
- Products: business_credit_card, charge_card
- Industries: Corporate, Service-focused
Best for
- Businesses valuing premium service
- Companies seeking travel rewards
Pros
- Rewards and perks
- Brand reputation
Cons
- Potential high fees
- Stringent credit requirements
Sources: https://www.americanexpress.com/en-gb/credit-cards/all-cards/business/ https://www.americanexpress.com/en-gb/business/apply-for-business-card/
5. Santander
Santander provides a range of business loans for UK firms. It offers flexible options including fixed and variable interest rates, suitable for various business sizes. It supports purchase, refinance, and working capital needs with security options and competitive terms.
Loan and pricing details
- Min amount: £25,001
- Max amount: Unknown
- APR min: Unknown
- APR max: Unknown
- Loan durations: Up to 25 years
Funding range note: From £25,001 upwards
Speed: Loan decisions typically within days
Interest rate notes: Varies by loan type; competitive bank rates apply.
Eligibility
- Min trading months: 12
- Min monthly turnover: £500
- Credit flexibility: Standard bank credit checks
Personal guarantee: Commonly required for unsecured loans.
Homeowner advantage: Better terms possible
Services and sectors
- Products: business_loan, overdraft, cashback_credit_card
- Industries: General business, Corporate sectors
Best for
- SMEs seeking traditional bank loans
- Companies preferring established banks
Pros
- Trusted bank
- Variety of loan products
Cons
- Potentially slower process
- Standard bank requirements
Sources: https://www.santander.co.uk/corporate/solutions/finance/business-loans https://www.santander.co.uk/business/borrowing-and-finance
Final notes
When comparing providers, match loan size, timeline, and sector fit first, then confirm current rates and fees with the finance provider. If one option declines your application, a broker or multi lender panel may still place the deal. Matching the provider type to your needs depends on your application purpose. Bank providers offer traditional financing with structured processes, while brokers can access a wider range of lenders for specialised or faster solutions. It is important to understand your specific requirements and select the most suitable option accordingly. For additional support, consult your preferred funding agent at Funding Agent.
