Will Capital On Tap accept a property SPV?

Yes, provided the SPV is a UK Limited Company active on Companies House with £24,000+ annual turnover (rental income counts). Capital On Tap does not publish a minimum trading-period rule. Pure dormant SPVs without active rental income may struggle.

Can I pay deposits with the card?

Capital On Tap restricts speculative property deposits via the card per their T&Cs. Check current restrictions before relying on it for property purchases — typically you'd use a bridging facility instead.

Does it report to commercial credit bureaus?

Yes. Capital On Tap reports payment behaviour to commercial credit agencies (Experian Business, Equifax Commercial), helping build the SPV's own credit profile.

Industry guide · May 2026

Best Business Credit Card for UK Property Landlords 2026

UK property businesses — buy-to-let portfolios held in Limited Companies (SPVs), property development companies, and short-term lets — spend on maintenance, refurbishment, agent fees and utilities. Capital On Tap suits portfolios held through Ltd structures.

Why Capital On Tap fits property landlords

1% cashback on maintenance, refurb materials and contractor invoices
Higher credit lines accommodate large refurb projects
Cleanly attached to the SPV Limited Company, separate from personal finances
Useful working capital between rental cycles

Top spend categories for property landlords

› Maintenance & repairs
› Refurbishment materials
› Letting agent fees
› Utilities (void periods)
› Furnishing & white goods (BTL HMOs)

Example spend & cashback

Spend category	Monthly spend	Monthly cashback
Maintenance & repairs	£800	£8/mo
Refurb (annualised)	£1,500	£15/mo
Agent & professional fees	£600	£6/mo
Utilities & insurance	£400	£4/mo
Total	£3,300/mo	~£396/year

Indicative figures based on typical property landlords spend patterns. Plus a £75 welcome bonus on first transaction with code 2REFY893A52.

FAQs for property landlords

Will Capital On Tap accept a property SPV?: Yes, provided the SPV is a UK Limited Company active on Companies House with £24,000+ annual turnover (rental income counts). Capital On Tap does not publish a minimum trading-period rule. Pure dormant SPVs without active rental income may struggle.
Can I pay deposits with the card?: Capital On Tap restricts speculative property deposits via the card per their T&Cs. Check current restrictions before relying on it for property purchases — typically you'd use a bridging facility instead.
Does it report to commercial credit bureaus?: Yes. Capital On Tap reports payment behaviour to commercial credit agencies (Experian Business, Equifax Commercial), helping build the SPV's own credit profile.