What is Capital On Tap?
Established in 2012 and headquartered in London, Capital On Tap specializes in providing essential working capital to small businesses. The company's core product suite includes business loans and credit cards, designed to streamline cash flow management for entrepreneurs. By integrating advanced financial technology with traditional lending principles, Capital On Tap has carved out a significant niche in the competitive fintech landscape, effectively bridging the gap between institutional capital and the immediate liquidity needs of small-scale commercial entities.
How much funding has Capital On Tap raised?
Capital On Tap has raised a total of $2.8B across 6 funding rounds:
Debt
$607M
Multiple Rounds
$545M
Other Financing Round
$947M
Other Financing Round
$659.7M
Debt (2021): $607M with participation from HSBC, Atalaya, and BNP Paribas
Other Financing Round (2022): $200M led by Varde Partners and HSBC
Debt (2022): $235M supported by Triple Point and JP Morgan
Debt (2022): $110M featuring Atalaya
Other Financing Round (2025): $947M backed by BNP Paribas and Citi
Other Financing Round (2025): $659.7M, investors not publicly disclosed
Key Investors in Capital On Tap
BNP Paribas
BNP Paribas is a leading international banking group headquartered in Paris, France, and is widely regarded as one of Europe’s largest and most diversified financial institutions, with a significant global presence across Europe, the Americas, Asia-Pacific, and the Middle East.
HSBC
HSBC is a global banking and financial services organization headquartered in London, known for its global connectivity and expertise in facilitating international trade and capital flows.
Atalaya
Atalaya Capital Management is a privately held, SEC-registered, alternative investment advisory firm that purchases credit or asset-based investments through closed-end funds.
What's next for Capital On Tap?
With the successful completion of this major strategic investment, Capital On Tap is well-positioned to accelerate its product development and expand its footprint in key international markets. The company's focus remains on enhancing its credit underwriting capabilities and scaling its digital infrastructure to support a growing user base. As the firm transitions into its next phase of maturity, the emphasis will likely shift toward deepening its integration with global banking partners and diversifying its financial product offerings to maintain its competitive edge in the SME lending sector.
See full Capital On Tap company page
