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Capital on Tap provides an all-in-one business credit card and expense management platform for small businesses, offering funding, employee card controls, and cashback rewards. It earns revenue through card usage and lending, and serves companies in the UK and US via a self-serve online application with instant decisions. Founded in 2012 and headquartered in London, it reports more than 200,000 small business customers and over £20 billion in card spend.