Will Capital On Tap approve a restaurant Limited Company?

Yes. Capital On Tap accepts UK Limited Companies in hospitality SIC codes (56101, 56301, etc.) provided the standard criteria are met: active on Companies House and £24,000+ annual turnover (~£2,000/month). There is no published minimum trading-period rule. Restaurants typically meet the turnover threshold comfortably.

Can I use the card to pay food suppliers on terms?

Yes. The card works as a normal Visa Business credit line — pay any supplier that accepts card payment, and you get up to ~50 days interest-free if you pay your statement in full.

What about cash withdrawals for tronc / petty cash?

The issuer currently advertises no ATM fee on its standard card, but cash transactions may have different limits or interest treatment from purchases. Check your current card agreement before withdrawing cash.

Industry guide · Published 16 May 2026

Best Business Credit Card for UK Restaurants 2026

UK restaurants and hospitality businesses spend heavily on food suppliers, drinks wholesalers, kitchen equipment and recurring SaaS (POS systems, booking platforms). A no-fee 1% cashback card on every transaction adds up fast at restaurant volumes.

Why Capital On Tap fits restaurants

Daily supplier purchases (Brakes, Bidfood, JJ Foodservice) compound 1% cashback quickly
The issuer advertises no FX fees on its standard card; check the agreement for currency conversion and account terms
Up to £250,000 credit line covers seasonal stock-up and renovation phases
Multiple cardholders for chefs, managers and FOH leads (no extra fees)

Top spend categories for restaurants

› Food & drink suppliers
› Kitchen equipment
› POS & booking software (Square, OpenTable, ResDiary)
› Utility deposits
› Marketing & delivery fees (Deliveroo, UberEats)

Example spend & cashback

Spend category	Monthly spend	Monthly cashback
Food suppliers	£18,000	£180/mo
Drinks wholesalers	£6,000	£60/mo
POS, software, marketing	£1,500	£15/mo
Equipment & repairs	£1,000	£10/mo
Total	£26,500/mo	~£3180/year

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

FAQs for restaurants

Will Capital On Tap approve a restaurant Limited Company?: Yes. Capital On Tap accepts UK Limited Companies in hospitality SIC codes (56101, 56301, etc.) provided the standard criteria are met: active on Companies House and £24,000+ annual turnover (~£2,000/month). There is no published minimum trading-period rule. Restaurants typically meet the turnover threshold comfortably.
Can I use the card to pay food suppliers on terms?: Yes. The card works as a normal Visa Business credit line — pay any supplier that accepts card payment, and you get up to ~50 days interest-free if you pay your statement in full.
What about cash withdrawals for tronc / petty cash?: The issuer currently advertises no ATM fee on its standard card, but cash transactions may have different limits or interest treatment from purchases. Check your current card agreement before withdrawing cash.