Account Management

Capital On Tap Credit Limit Increase: How to Get More

By Afshin · 16 May 2026 · 6 min read

Capital On Tap credit limits range from £1,000 to £250,000, and most new customers start somewhere between £2,000 and £15,000. Once you've used the card responsibly for a few months, you can request an increase — but timing and approach matter. This guide covers when to ask, what they assess, and the practical steps that work.

When can you request an increase?

Capital On Tap doesn't publish a strict waiting period, but in practice most successful increase requests come from accounts that have been open at least 3 months and have at least 3 statement cycles of payment history. Requesting an increase in your first month rarely succeeds.

Capital On Tap also performs automatic limit reviews every 3-6 months — you may receive an email or in-app notification offering an increase without having asked. These offers are usually accepted with a single tap.

What Capital On Tap looks at

Three main factors drive the decision: how you've used the existing limit, your business's financial trajectory, and your overall credit profile.

• Utilisation: ideally 30-70% of current limit (using too little suggests you don't need more; maxing it out every month suggests stress)
• Payment history: zero late or missed payments since opening
• Business revenue trend: stable or growing turnover (Capital On Tap can see this via Open Banking if linked)
• Personal & business credit scores: no new defaults, CCJs, or major delinquencies
• Time on book: 3+ months minimum, 12+ months ideal

How to request an increase

Open the Capital On Tap app, tap your profile, then 'Credit limit'. There's a 'Request increase' button. Enter the new limit you want (be reasonable — asking to double overnight rarely works; asking for a 25-50% increase is more likely to succeed).

Alternatively, email support@capitalontap.com from the email registered to the account. State your current limit, the new limit you'd like, and a brief reason (expansion, larger contract, working capital need). Decisions usually arrive within 2-5 business days.

Tips that actually work

Pay in full each month for at least 3 cycles before asking. Carrying balances signals stress to the lender, even if you're paying interest reliably.

Use the card meaningfully — if you've spent £200 on a £5,000 limit, there's nothing to base an increase on. Aim for 30-70% utilisation.

Link Open Banking to your business bank account in the app. This gives Capital On Tap visibility into your real cash flow and dramatically improves the data behind any decision.

Update your business revenue figure in your profile if it's grown since application — many customers forget to do this and get assessed against outdated numbers.

What to do if you're declined

Capital On Tap will tell you the broad reason but not specifics. Common causes: too short a time on book, recent missed payments, falling revenue, or a credit profile change (e.g. a new CCJ). You can usually re-request 90 days later.

If you're declined and need credit urgently, alternatives include: opening a second business credit card to spread spend (Amex Business Gold has a high limit but a £195 annual fee), arranging a Tide or Funding Circle FlexiPay credit line, or using business overdraft from your bank.