Eligibility

Capital On Tap Minimum Turnover: What the Issuer Says

By Afshin · 31 May 2026 · 6 min read · Updated 2026-07-28

Applicants want to know whether their turnover is high enough for Capital On Tap. The issuer's main card page asks for average monthly turnover but does not give a numeric threshold; a separate Capital On Tap article quotes £2,000 per month. Treat published figures as guidance, not a promise of approval, and confirm the current requirement directly with the issuer before applying.

What turnover do you need?

The issuer's main business-card page asks applicants to provide their average monthly turnover without publishing a numeric minimum. A separate Capital On Tap article says a business needs at least £2,000 per month. Because the public guidance differs, check the current application criteria with the issuer rather than assuming the figure is universal.

The issuer says applying starts with a soft search on the applicant's personal credit file, which does not affect their credit score. This is not a guarantee of approval, a particular limit or a particular rate.

Other published eligibility criteria

Turnover is not the only criterion. Capital On Tap lists these core requirements for applicants:

• The business is a UK Ltd, LLP or PLC and active on Companies House
• The applicant is an active UK director or owns at least 25% of the company
• The applicant and business have no unsatisfied CCJs from the past 12 months
• The business is not in a high-risk industry

Trading history and approval

Capital On Tap's eligibility article says there is no minimum trading-history requirement. That does not mean every new business will be approved: the issuer assesses the full application, including the information it requests about turnover. Meeting a published criterion is not a guarantee of acceptance.

What happens to your credit file?

The issuer says it makes an initial soft search on the applicant's personal credit file. It says a hard search on the business credit file takes place once the credit agreement is signed. Review the current application information and agreement for details.