Capital on Tap

Credit card built for small businesses

Credit cards

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Company mission

To make the lives of small business owners easier.



HQ Location

London, UK


Some candidates hear
back within 2 weeks

38% female employees

20% employee growth in 12 months

Otta's take on Capital on Tap

Xav Kearney headshot

Xav Kearney

CTO of Otta

Capital on Tap is going against the national trend which, since the financial crash in 2008, has seen the banks dial back the amount they lend to SMEs by 50%. Yet, in that same time, the number of UK SMEs has risen by 30%.

UK SMEs are the backbone of a complex economy that is constantly changing so the need for fast and responsive access to finance is becoming more and more important to ensure their success and growth.

Capital on Tap allows British SMEs access to a credit card with up to £250,000 credit within minutes. Gone are the days when waiting up to eight weeks for a loan decision was viable.

Capital on Tap have raised considerable funding and expanded to the US. The company have reported to have attracted more than 200,000 SMEs to use its services and these users have spent over £8 billlion.

Total funding - $566.4m

Last fundraise

Oct 2021



This company has top investors

Company benefits

  • 🏥 Private Healthcare through Vitality
  • ✈️ Worldwide travel insurance through Vitality
  • 🎁 Anniversary Rewards (£250, £500, £1000, 4-week fully paid sabbatical)
  • 👛 Salary Sacrifice Pension Scheme 4-7% match
  • 🏖️ 28 days holiday (plus bank holidays)
  • 📖 Annual Learning Budget
  • 👪 Enhanced Parental Leave
  • 🚲 Cycle to Work Scheme
  • 🚂 Season Ticket Loan
  • 💬 6 free therapy sessions per year
  • 🐶 Dog Friendly Offices
  • 🍫 Free drinks and snacks in our Offices

Company values

  • Just pilot: Our company is built on piloting new ideas, we know our job is never done. We ask questions, we figure it out. We only build what our customers want
  • Be a Buddy: It’s never not my job. Tap in from day one. We do the right thing
  • Why not today?: Fast is as slow as we go. Take ownership and raise the bar. Keep things simple.


Started as a consultant at Bain. After 3 years, they joined leading private equity firm KKR for 4 years before starting Capital on Tap.

Serial founder, having sold two businesses to private equity companies in the past (XLN Telecom and Euroffice).

People progressing

Started in Operational Support. 11 years later, Zoe is now Director of Operations.

Diversity & Inclusion at Capital on Tap

Philippa Munitz headshot

Philippa Munitz (People Director)

  • At Capital on Tap, we want to be a place where a diverse mix of talented people want to come and do their best work but most importantly feel included and be their authentic selves. We are fully focused on equality and believe deeply in diversity of race, gender, sexual orientation, religion, ethnicity, ability, national origin and all the other characteristics that make us who we are.
  • We have put a lot of time into developing an inclusive recruitment strategy to ensure our hiring practices are as inclusive as possible. All hiring managers have attended inclusive recruitment training and we have introduced objective skills testing.
  • When speaking to teams across the company, the majority of teams felt that we are a diverse community with a huge mix of backgrounds and many people commented it was the most diverse place they’ve worked.
  • Over the last year, we have started to share our own stories and experiences. Groups across the company commented how much they have enjoyed learning from each other and educating ourselves on different areas of diversity. They also felt these talks and discussions bridge the gap between different offices and teams.
  • We have celebrated and recognised pride weeks, we spent the week highlighting the culture of South Asian heritage month and have also learnt about Black History in both the US and UK and LGBTQ+ History across the world through film and book discussions.
  • We have reflected on our own mental health and how to support ourselves and others. Senior leaders have spoken openly about their experiences and struggles, embedding a culture where it’s ok to speak up if or when you need support. We partnered with That Day mental health support for our UK employees so that everyone is able to access the support and help when they need it.
  • Rolled out inclusive management training to all managers on how to run an inclusive and purposeful 1-on-1 and how to create belonging in distributed teams. We have recently rolled out Management on Tap training sessions with the aim to support our managers to feel confident to support their team in the best way possible.
  • These commitments are just a snippet of what we have done so far and something that we regularly visit and discuss within Capital on Tap as we know our job is never done. We continuously challenge ourselves to ensure we are taking the right approach, to ensure that we are and continue to be a diverse and inclusive place to work.

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Capital on Tap is hiring for 3 jobs on Otta!

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Finance, Legal & Compliance

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