What credit score do you need for Capital On Tap?

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Afshin · Accepted Answer

Capital On Tap does not publish a minimum credit score, but in practice a director personal credit score of 650+ (Experian) and a clean business credit file are typically required. Approvals are based on the Limited Company's filed accounts plus the directors' personal credit profiles. Capital On Tap uses commercial credit bureau data (Experian Business, Creditsafe) as well as Open Banking transaction data if you connect your business account. The company looks at: active status on Companies House, £24,000+ annual turnover (~£2,000/month), no unsatisfied CCJs against the company or directors in the last 12 months, and that the business is filing accounts on time. There is no published minimum trading-period rule. A weak personal credit score for one director can be offset by a strong-profile co-director.

What credit score do you need for Capital On Tap?

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