Capital on Tap Tech Stack

Credit card and spend management platform for UK small businesses

Financial Services London, England 201–500 employees Founded 2012 Privately Held

Capital on Tap operates a small-business credit card and expense platform serving over 200,000 SMEs across the UK and US. The tech stack is .NET-heavy (C#, .NET Core, Azure DevOps) paired with modern front-end tooling (React, TypeScript) and a data pipeline (Snowflake, dbt, Fivetran, Looker), indicating engineering focus on compliance and analytics — a necessity given active work on regulatory frameworks, enhanced due diligence, and transaction monitoring. Hiring velocity shows sales and support scaling ahead of engineering, reflecting a sales-led growth motion targeting the Manchester region.

Tech Stack 51 technologies

Core StackC# JavaScript TypeScript Selenium Postman .NET React Flutter SQL Server MongoDB Customer.io Braze HubSpot Snowflake dbt Looker Azure DevOps Fivetran Python RestSharp Appium xUnit NUnit REST API NET Core SQL Dart Azure GCP Excel+21 more

What Capital on Tap Is Building

◆Challenges

Meeting regulatory obligations
Vulnerable customers in arrears
Complex arrears cases
Increasing card spend among sme customers
Mitigating financial crime risk
Regulatory compliance with new cass 15 rules
Statutory annual safeguarding audit preparation
Vulnerable customer support
Managing financial arrears
Scaling sales team

▲Active Projects

Credit card and payment products for small businesses
Build manchester acquisition sales team
Develop sales strategies to drive growth
Robust and scalable solutions using .net technology
Third-party due diligence framework enhancement
Automated workflows
Designing the resolution pack
Ai tools and automation adoption
Enhanced due diligence on sme customers
Transaction monitoring alerts and escalations

Hiring Activity

Steady75 roles · 25 in 30d

Department

Sales

Support

Ops

Engineering

Finance

Data

Marketing

Security

Seniority

Mid

Lead

Junior

Senior

Manager

Director

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About Capital on Tap

Capital on Tap is a fintech platform founded in 2012 that combines a business credit card with spend management and rewards functionality. The product targets small business owners in the UK and US, offering instant credit decisions and cashback on business spending. The company operates across three interconnected functions: acquiring and underwriting SME customers (with enhanced due diligence and financial crime risk controls), managing active cardholder relationships and arrears, and expanding sales coverage. Regulatory compliance and financial crime mitigation are core operational challenges, reflected in active projects around CASS 15 alignment, transaction monitoring, and safeguarding frameworks.

HeadquartersLondon, England

Company Size201–500 employees

Founded2012

Hiring MarketsPortugal, United Kingdom, Poland

Frequently Asked Questions

What tech stack does Capital on Tap use?

The backend is .NET (C#, .NET Core) running on Azure. Frontend uses React and TypeScript. Data infrastructure runs on Snowflake with dbt and Fivetran for ETL, Looker for dashboards. Testing and QA leverage Selenium, Appium, xUnit, and NUnit.