About Capital on Tap
What is Capital on Tap?
Capital on Tap is a London-founded fintech that lends to small businesses. It tells its origin story plainly: "Small businesses were underserved: big banks were slow, their products didn't fit, and business owners couldn't get what they needed. We set out to fix that."
Job ads describe what it has become: "a financial platform - not just a credit card company", combining a business credit card, an SME-focused spend management platform and a savings product. The company says it serves "200,000+ small business customers", is "profitable and growing", and is authorised and regulated by the Financial Conduct Authority.
Where will I work?
"We have offices in London, Cardiff, Manchester, Brighton, Porto, and New York" - summarised on the careers page as "Six offices across the UK, US, and Portugal". The London base is at Moorgate.
The careers FAQ sets the pattern: "Most roles operate on a hybrid basis, with 2-3 days a week in one of our offices. Roles that are fully remote will be clearly marked in the job listing." Listings state their own split - engineering roles typically read "This is a Hybrid role, working from our London (Moorgate) Offices 2 days per week" - and some Cardiff customer-facing roles are office-based for three months before moving to three days in, two from home.
What is the Capital on Tap team like?
Live job ads put the company at "1,000+ employees", across engineering, product, data, risk and credit, financial crime, collections, and a large customer-service and operations population in Cardiff and Manchester. The stated values are "Just pilot" ("Only build what customers want"), "Be a buddy" ("It's never not my job") and "Why not today?" ("Fast is as slow as we go"). The stack is .NET, Go, React, Azure, Kubernetes and Snowflake, and offices are dog-friendly.
Work-Life Balance
Holiday is published as "28 days holiday a year, plus bank holidays." Long service is rewarded with time away, not just cash: anniversary rewards run "£250 at year 1, £500 at year 2, £750 at year 3, sabbatical at year 4", and "After 4 years, take a fully paid 4-week sabbatical on top of your annual leave."
Parental leave is enhanced and comes with nursery contributions for eligible parents. Wellbeing includes "Therapy and coaching credits covering sleep, neurodiversity, nutrition coaching, and more" - quantified in job ads as "6 free therapy sessions per year" - and up to £250 of the £1,000 annual learning budget can go "towards personal wellbeing". The published week is a standard full-time one: no four-day, compressed or reduced-hours pattern appears on the careers site or the Greenhouse board.
Perks and Benefits
- 28 days holiday a year, plus bank holidays
- Fully paid four-week sabbatical after four years' service
- Vitality private healthcare, including optional dental, optical and hearing cover
- Salary-sacrifice pension scheme with up to 7% match
- £1,000 annual learning budget, £250 of it usable for personal wellbeing
- Enhanced parental leave for eligible parents
- Nursery contributions for eligible parents
- Reproductive health support with Hertility, covering fertility and menopause care
- Therapy and coaching credits, including six free therapy sessions a year
- Octopus EV salary sacrifice, cycle-to-work or bike share, and season ticket loan