Account Management

Capital On Tap Credit Limit Increase: 2026 Guide

By Afshin · 17 April 2026 · 6 min read · Updated 2026-07-28

Capital On Tap offers credit limits from £2,000 up to £250,000. New cardholders typically start between £5,000 and £25,000, with limit reviews every 4–6 months. Here's how to qualify for a credit limit increase, when to request one, and the 5 factors the underwriter actually looks at.

How to request a Capital On Tap credit limit increase

There are two paths: automatic and manual.

• Automatic — Capital On Tap reviews every account every 4–6 months. If you qualify, you'll receive an in-app notification and email offering the new limit. Accept with one tap.
• Manual — Open the Capital On Tap app, go to Help & Support, and message the team requesting a credit limit review. The underwriter will pull fresh business credit data and respond within 2 working days.

5 factors that decide your new credit limit

Capital On Tap's decisioning is data-driven. These are the 5 factors that matter most:

• Payment history — Have you paid your statement balance in full and on time every month? Late payments or partial payments significantly reduce the chance of an increase.
• Statement utilisation — Are you regularly using a high portion of your current limit? Using 50–80% of your limit and paying it off shows you'd benefit from more credit. Using 5% suggests you don't need an increase.
• Business turnover growth — Has your monthly turnover (visible via Open Banking) grown since the last review? A 30%+ uplift typically triggers a meaningful limit increase.
• Time on book — How long have you held the card? 6 months is the minimum for the first review; the limit can grow most aggressively in months 6–18.
• Companies House signals — New filings (annual accounts, confirmation statements), director changes, or registered address changes are factored in. Up-to-date filings are positive; overdue accounts are a strong negative signal.

Realistic credit limit expectations

New cardholders are typically approved for between £5,000 and £25,000 depending on monthly turnover and credit history. After 6 months of healthy use, increases of 50–100% are common (e.g. £10,000 → £20,000). After 18–24 months of consistent positive use with growing turnover, established UK SMEs commonly reach £50,000–£100,000. The £250,000 maximum is rare and reserved for high-turnover companies (£1m+ annual revenue) with multiple years of healthy account history.

What to do if you're denied a credit limit increase

If your request is declined, Capital On Tap will give a brief reason (high utilisation, recent late payment, declining turnover, etc). The fix is usually obvious from the reason. The most common path back is: (1) pay your statement in full for 3 consecutive months, (2) keep utilisation below 50% of current limit, (3) re-request after 90 days. Most second requests succeed.