Getting to know our customers: Drink, Shop & Do

Drink, Shop & Do’s Story:

Coralie and Kristie began hosting a Wednesday wine and paper mache evening at their home soon after graduating from university and starting their careers. As the weeks went on it became more and more popular to the point that their living room could not accommodate for the demand. They both realised that there was a market for this and decided to host a pop-up shop in an ex-Victorian bath house based in Kings Cross. The pop-up was such a success that they never left. In fact it has been such a success that Coralie has also managed to open a members bar across the road.

What makes Drink, Shop & Do stand out?

Delicious food and a range of cocktails are not the only characteristics that make this place unique but the transformation the venue makes throughout the day. There are also a range of activities to keep you busy from Lego Robots to Play With Clay and Papier Mache Monsters. By day, Drink, Shop & Do is a mild-mannered King’s Cross café and spritz bar serving a range of teas, coffees, healthy lunches and cakes. By night it switches to a merry den of drinking and dancing, where guests can reconnect with their inner big kid.


Our visit:

We were welcomed in by Coralie and her friendly staff who showed us to our tables and explained the rules of our challenge, the Lego Robot competition. Whilst constructing and creating stories for our robots which would have to be explained at the end of the session we drank beers and wine and snacked on a range of finger food. Coralie explained the journey of building her business to the thriving place it is today. Like many of our clients, Drink, Shop & Do has utilised the product we offer to assist this growth.

Cheers for a great afternoon; Drink, Shop & Do! Some of our staff enjoyed the atmosphere so much that we stayed much longer than we had planned to.

Find out more about Drink, Shop & Do by visiting their website:

Getting to know our customers: BrewByNumbers

Tom Hutchings (co-founder of Brew By Numbers) recently welcomed the Capital on Tap team to their brewery for a tour (and a few drinks!). Here’s what happened…

Brew By Numbers’ story:

The business was founded in February 2012 after Tom Hutchings and Dave Seymour met whilst on a climbing tour of S.E Asia. Since its establishment the business has grown rapidly from starting in a basement Tom rented off a friend’s near Borough Market and has since moved to its current home in Bermondsey’s Rail Bridge Arches. What started as one experimental brew has now evolved into 310 varieties and counting!


What makes Brew By Numbers stand out?

Using a numbering system is what differentiates the business from their competitors; each beer is identified by a unique four digit number. The first two digits denote the style of the beer and the last two denote the recipe. In addition to this, Dave and Tom’s passion is the force behind BBNo’s mission; to only release beers that are of high standard, balanced and drinkable.

Our visit:

Tom explained to us how he and Dave have grown their dream and gave us an overview of the plant from the brewing process to packaging and storage. He also explained how the facility we offer has been useful in aiding this growth. Many small businesses find themselves short of cash flow in the window between paying suppliers and being paid by clients. Capital on Tap’s revolving credit facility aims to seamlessly fill this gap. We ended the afternoon tasting three of the different brews paired with locally sourced cheese, meats and bread. Cheers Tom!


Find out more about Brew By Numbers by visiting their website:

Customer Success Story: Partners Pets Supermarkets

We do love our pets at Capital on Tap – there is always at least one four-legged pal running around  the office and we just completed a charity shuffleboard tournament where all proceeds went to the local shelter – so we could not miss the opportunity to shine the light on a business that lives and breathes pets at any time: Partners Pets Supermarkets!

Partner Pets Supermarket, a family run business for the past 25 years, is situated in St Alban and boasts over 10,000 pets’ products available in-store and their own food brand Enve online. Their mission statement is simple yet commendable: they are run by pet lovers for pet lovers and focus on responsible pet ownership and care. Director Ross Bygrave explains, “Our staff are highly trained in pets’ nutrition and we have a unique Traffic Light system in store to guide our customers to make a better choice for their furry kids”.

All pets’ needs are catered for at Partners Pets Supermarkets, with great selections of accessories and balanced, healthy and yummy foods. Ross continues, “We stock one of the biggest ranges of RAW food in the UK and strive to improve pets’ health through stocking natural healthy diets, together with top tips from our staff”.

Ross was looking for a reliable source of business banking and quickly became disillusioned with the help offered by traditional high street banks. He remembers, “We were sick of how unhelpful banks were, and of jumping through so many hoops to obtain something as simple as an overdraft extension or a credit card – too many forms and longwinded bureaucracy”.

Ross applied for a Capital on Tap through our one-page eligibility checker and received a credit decision shortly after, with no need for any proof of address or bank details. When asked about what the hassle-free application process meant for him and his business, he explains: “Us hard working business owners have been suffering at the hands of the banks for years now, but thankfully there are still places like Capital on Tap that think outside of the box and keep things simple”.

His Capital on Tap account, paired with the Capital on Tap Business Mastercard, have proven an efficient asset to the way he runs his business. The flexibility of how the available credit can be accessed means that he has been able to use his account for most business expenses: “The Mastercard helps with cashflow in difficult weeks as retail is a tough game these days, and it has been a great help when a new supplier requires a full payment for a first order. And then there is the added benefit of being able to transfer funds directly into our bank account for the suppliers that still won’t accept cards in this day and age”.

Partners Pet Supermarkets have a lot to look forward to in the next few months. Their own dog food brand Enve has already become their biggest selling dry food range and has countless benefits for pets and their owners: “Enve is a good grain free food at a great price and comes with loyalty offer online”, Ross explains. The future of the brand is not solely about sales either, as Partners vows to “keep converting and educating people that there are far better options than the big famous brands for your beloved pets”.

To find out more about Partner Pets Supermarket:
And to discover the benefits of Enve:

Customer Success Story: JL UK Freelance LTD

Today, Capital on Tap sits with the director of JL UK Freelance LTD, Jason Manley. Jason talks to us about his career within the coach travel industry, what makes his company stand out and why he considers Capital on Tap an asset to his business.

What is the origin story of JL UK Freelance LTD?

I have been associated with the coach travel industry in various roles for 25 years. My first passenger paying job was taking primary school children in south Shropshire to a swimming lesson in Shrewsbury. It was in an old Bedford coach that only had about five dashboard switches and struggled to keep up with push bikes on any kind of hill. I now regularly drive executive tour coaches for my clients, that are in excess of £300,000 in value, almost but not quite drive themselves and also comment on the quality of my driving via dashboard messages during the journey.

Over the years, I have driven all sorts of passengers to numerous destinations. But the work where I find the greatest satisfaction, is taking groups of more elderly passengers who need care and looking after on holiday to UK and Ireland destinations. There is currently a shortage of drivers in the UK who do this type of work and this has given me the opportunity to work with a client base of quality coach operators to deliver a professional service to them and their passengers on a freelance basis.

What makes your business stand out?

That is an easy question to answer – I don’t just drive coaches – I create great holiday memories for people who have saved hard all year for the week they spend with me. Driving the coach is just a part of that – although I pride myself in doing it exceptionally well!

I am developing a reputation which is organically growing and is based on forward planning, research of itineraries, exceptional customer service and the ability to be a driver, tour guide, in-resort representative and hot chocolate maker – all wrapped up in one.

How did you come across Capital on Tap?

A successful business is one which not only delivers a quality product, but which also has the foundation of a well-planned and managed strategy and back office operation. Part of that is managing finances well and ensuring that your business finance products are fit for purpose and separate from personal finances.

I needed a business card option to manage cash flow and also for unexpected eventualities. A search of the market led me to Capital on Tap. All the information online was quick and easy to understand. My application was answered very quickly and the process was efficient, effective, open and quick.

I would recommend Capital on Tap without hesitation as a financial partner to any business. I do feel the support is there if I need to contact the company. There are no fees if the balance is paid in full and if you do want to take advantage of a longer credit period, all the costs are clear, fair and easy to understand.

How does your Capital on Tap account benefit your business?

One recent example was during a recent breakdown. Coach breakdowns do happen from time to time and waiting for assistance or alternative transport can be a challenging time for the driver when you have 50 people to look after.

My Capital on Tap Business Mastercard enabled me to assist the operator I was working for by instantly paying for a warm meeting room and buffet lunch for elderly passengers who were delayed whilst he focused on the mechanical support arriving. Capital on Tap really did save the day and keep 50 elderly passengers safe, warm and comfortable!

What’s next for JL UK Freelance LTD?

The core values I uphold are paying off and I need a twin to join the business as I cannot be in two places at once and I don’t like to disappoint when people are requesting the service. The search is on to find someone who will add value to my business and compliment my efforts. When I find them, they are going to need their own Capital on Tap Mastercard!

 Find out more about Jason and his business:

To open a Capital on Tap account for your business, check your eligibility today with our 2-minute application form: Check your eligibility

Customer success story: Wedding Rings Direct

When it comes to wedding rings, Anthony and the entire team at Wedding Rings Direct have developed an impressive expertise to ensure no customer is left unsatisfied. Today, we take a look at their story to success, and how their Capital on Tap account has helped ensuring the company remains a leader in its field.

After many years selling jewellery in the Brighton Lanes, Anthony decided to open his own wedding ring business with a clear and concise business plan in mind: he wanted to offer customers the widest possible selection of wedding and engagement rings at the lowest possible price. All rings are produced within their own workshop and sold exclusively on the Wedding Rings Direct website or from within the company’s Brighton based show-room. Anthony explains, “We stock over 5,000 wedding rings in 56 different finger sizes, 13 different widths, and in 18 different metals.” It is safe to assume anyone would be able to find the ring of their dreams from this vast selection, especially with several customisation choices such as “designs, colours, patterns, including diamond-set or just plain polished.”

Just like the rings they sell, everything about Wedding Rings Direct has a feeling of uniqueness to it. The business stands out due to their pricing, huge selection and 5-star rated approach to customer service. The level of service offered by Anthony and his team is truly astonishing: they understand the importance of getting each and every ring just right and offer their expertise at every step of the way to make sure every customer is satisfied. The Wedding Rings Direct Buying Guide offers descriptions of styles, and metals, but also provides helpful explanations of sizes, ring profiles, diamonds and engravings.

The customer support far from ends there, with the provision of a sample service designed to help customers make the right choice. Shoppers can simply order a few samples and try them on at home for a week – simple and efficient, this service means that the ring can be tried on at different times of the day to cater for finger size changes based on climates and day times!

Back in 2013, Anthony’s high street bank had lost some of its efficiency in supporting his business finance requirements. He explains, “Our bank was going through the last financial crisis and was not helpful in providing any loans or overdrafts”. Enters Capital on Tap, which back then specialised in short-term business overdrafts. Customers could simply login online, select the desired amount to borrow for a certain amount of weeks and their repayments were spread out each week for the chosen duration.

The Capital on Tap offer has evolved over the years, and Wedding Rings Direct adopted each change with open arms, from monthly repayments to obtaining the Capital on Tap Mastercard: “Capital on Tap is 100% reliable and has constantly improved its fintech offering, as a result of which we always know what finance we can have at any time just by logging into our account.”

When evaluating the funding options for Wedding Rings Direct, Anthony needed a solution that would be economically viable, but also fast – funds needed to be available when required, and with such a dedication to efficiency and customer service, speed can make all the difference. Again, Capital on Tap managed to meet the business’ expectations: “The whole transaction takes about 30 seconds between the drawdown request and the text to advise the money is on its way – there is rarely any need to speak to anybody about our account, so our time is not wasted in a call waiting queue!”

The next big project for Wedding Rings Direct is to expand their overseas market through 5 bespoke overseas websites. UK customers can also look forward to a brand new range of personalised gifts, which will then be launched internationally a little later on!

If you cannot wait to find out more about Wedding Rings Direct, or would like to get in touch with them, here are some useful links to their websites and social media pages:

If like Anthony you are looking to join the community of business owners using their Capital on Tap account to grow their business, check your eligibility today! There are no monthly or yearly fees, and applying has no effect on your credit score.

Apply Now

Customer Success Story: Past Impressions Crystal and Fossil Shop

Many of us daydream of making a living out of a beloved past-time, longing for the day we can truly extract riches out of what fills our life with passion and happiness. Lee took his favourite hobby – his fossils and minerals collection – and turned it into a profitable business back in 1999: Past Impressions Crystal and Fossil Shop.

Lee came up with his very own business model after amassing various minerals and fossils for his impressive private collection whilst working in a job that did not bring him as much joy as his hobby. He explains, “I worked in a factory around that time, but I wasn’t really that happy, and I saw the opportunity to take something that I enjoyed and make a living out of it!”

His first crystal and fossil shop opened in Great Yarmouth and traded successfully for a decade, so much so that by 2009 Lee made the decision to move his business online to give customers all over the globe access to his stock!

Customers can now source their fossils and crystals in Lee’s high street shop in his hometown of Beccles in Suffolk, on his 2 websites, but also on eBay and Amazon! “The widespread presence of the business is what makes it fairly unique, as I haven’t limited myself to just one platform and try to do great things on all of them.”

Online orders benefit from a free delivery option for all UK buyers, and goods are delivered within 3 business days all over the country and within up to 21 days for international customers.

To ensure a continually strong presence across all of his selling platforms, Lee decided to research business credit providers on Google: “My suppliers give me great credit terms, however the nature of my business requires me to carry a lot of stock as the product is so unique.” It was while searching for a potential new business finance partner that he discovered Capital on Tap, and more particularly the feedback received by previous Capital on Tap customers on Trustpilot: “I sometimes think that  people who go through the trouble of leaving online reviews on sites such as Trustpilot are often angry or disappointed and eager to lash out if they have received poor service, but Capital on Tap have a lot of positive reviews, and people seem to enjoy using the product so I thought they must be doing something right.”

Lee decided to check his eligibility online and received a credit decision within a couple of minutes. “It was so easy to apply and get the account set up”, he recalls. Once the account was up and running, Capital on Tap kept meeting his expectations: “It’s simple to use, there when you need it and the dashboard is easy to navigate – Capital on Tap enabled the business to carry more stock.”

What does the future hold for Past Impressions Crystal and Fossil Shop? Lee plans an expansion of his Amazon selling platform without sacrificing any of the hard work he has already put in place in all other marketplaces so that even more customers can have access to great and authentic products. If you would like to find out more about the astonishing line of fossils and minerals on offer, visit and

If like Lee you are looking to join the growing community of business owners using their Capital on Tap account to grow their business, check your eligibility today! There are no monthly or yearly fees, and applying has no effect on your credit score.

Apply Now


Customer success story: Colebrooks of Bournemouth Limited

Some people head out to Bournemouth to enjoy the pier, or tentatively dip their toes in the water, but others have been known to make the trip to collect a car from the team at independent car dealership Colebrooks of Bournemouth Limited. Finding the car of your dreams at an affordable price is rarely an easy task and the team behind  Colebrooks of Bournemouth Limited have spent the last few years understanding each customer’s needs and expectations to match them with the perfect car.

Nicholas, the director of the business, explains that their company achieves excellence in service and stands out because of their dedication and hard work: “We put a lot of effort into growing the company, resulting in going from a sole trading business into a limited company in only a few years with a team of 4.”

The company specialises in selling cars at affordable prices, ranging from under £1,000 to £10,000, which can all be viewed online alongside vital details for each model. Customers can also visit the Bournemouth showroom with their used car and get an instant valuation and a cash offer on the same day, taking the hassle and delays out of the car selling experience.

Although Nicholas was not actively looking for finance at the time, he stumbled across a letter from Capital on Tap sent to the company and decided to look into the offering a bit more through a basic google search. Browsing through the Capital on Tap website, he started to realise that this could be a valuable service for his business, as it was not as restrictive as other regular business loans: “The idea of using it only if and when needed sounded great, so I gave it a go and made an application.”

Nicholas submitted his application on the Capital on Tap website at 09:50 on a Sunday morning and had received his approval at 09:52. Within a few more minutes, his Capital on Tap card was ready to be sent out on Monday morning and Nicholas was exploring the dashboard on his online account: “The dashboard is so easy to use, I know exactly what goes on with my account!”.

Within a month, Nicholas’s account was reviewed and his limit and star rating were both increased, meaning the business had access to even more cashflow at a lesser cost. He explains, “Capital on Tap gave me another source of funding when needed, it is handy to have on the side for any unexpected overheads.” The simplicity of the service and 24/7 access to his online account are only a couple of the factors that led Nicholas to trust Capital on Tap as a business partner: “Capital on Tap is a good business to work with because they are flexible and let you pay back early if you wish to, compared to inflexible ordinary business loans”.

With his newly obtained extra cashflow, Nicholas is already planning on the next big steps for Colebrooks of Bournemouth Limited: “What’s next for us as a business is bigger stock, a bigger variety of cars and hopefully a mechanics workshop!”

If you would like to find out more about Colebrooks of Bournemouth Limited, why not visit their website and look out for your next car? Head to today to view all cars available.

If like Nicholas you are looking to join the fast lane without any of the roadblocks found with high street banking, check your eligibility on Capital on Tap. With no impact on your credit score, no monthly or annual fees, you may have just reached your destination!

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Customer success story: Clear Accounting Ltd

With it’s rich culture, stunning beaches and exhilarating mountains it’s no surprise that North Wales was named as one of the best regions to visit in 2017 by Lonely Planet. It follows that many would choose to call the area home, including Phil Jaycock and Clear Accounting Ltd!

Experienced ‘numbers-guru’ Phil started Clear Accounting Ltd back in 2013. As any new business owner will find, breaking into a small market where other businesses are already established can be a challenge. It didn’t take long for them to stand out from the rest though, with a more personalised service based on building real relationships with their clients. To this day, you’ll still find Phil on the road commuting daily to meet his clients at their place of business (so they don’t have to!) frequently outside of regular business hours. A nice touch that is so often missing from the numbers game!

More than your average Accountancy firm, Phil has built a company that provides an exceptional and expansive service to help businesses of all sizes grow. Along with being accessible (no technical jargon here!), Clear Accounting Ltd provides a continuous service rather than your average once a year check in.

Along with large businesses, Clear Accounting Ltd has made it their mission to support up and coming small enterprises in their local community. Including sponsoring the Food & Hospitality of the Year Award at the North Wales Young Business Awards. The real satisfaction they get through helping other businesses grow and being involved in their journey has ensured Clear Accounting Ltd has won a place in the heart of their community.  

With a fun and engaging social media presence (check out, Clear Accounting Ltd has managed to make their mark in the local community with 92% of their business coming from word of mouth. However, with exceptional growth comes the need for a quick influx of cash flow. While exploring other options, Phil went with Capital on Tap for what he hoped would be the speed of the process. “There’s a lot of bureaucracy around lending and banks are just too slow.”

Even he wasn’t expecting the speed and efficiency of the process! From his initial request, Phil received a call within 4 minutes and one online form later the facility was in place. One of the highlights of his experience? In the same way that Clear Accounting Ltd has built a reputation on fantastic customer service, Phil praises the knowledge of the support staff for always answering his queries on the spot without getting passed around. “I was so impressed with the service, I even recommended it to a friend who is using it.”

Phil has big plans for Clear Accounting Ltd, including moving to bigger premises, getting more staff on board and building their presence even more. Their success was recognised earlier this year when they were awarded Best Accountancy & Business Support Consultancy for North Wales by Acquisition International. It’s great to be able to celebrate their success and play even a small part in their journey.

For more information on Clear Accounting Ltd., visit their website at:

Become a Capital on Tap customer today!

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Customer success story: Special Occasion Hire

Your wedding day is something many women dream about from when they are little girls. With scrapbooks filled with pristine white dresses, sparkling diamonds and lush flower arrangements, it’s no surprise that brides know exactly what they want, and compromise isn’t always on the cards! While Bridezillas may strike terror into the hearts of many, Rosemary, founder of Special Occasion Hire, not only takes the challenge head on, but thrives on it.

From a career in fashion retail management and design, Rosemary has always had a flair for the artistic, putting together elaborate window displays in Selfridges that stop passerbys in their tracks. It was while planning her own wedding back in 2005 – a romantic affair with candles, a mint green and cream theme, and chair covers she had made herself! – that she decided to pursue a career helping others put together their perfect special day.

From your local church to the Gherkin, Rosemary now turns those childhood longings into stunning reality. And while her personal taste is towards clean and elegant lines, she’s not opposed to anything out of the ordinary (can you say gothic wedding?!). This is because for Rosemary it’s all about the personal touches and creating each bride’s vision, rather than pushing out carbon copy weddings.

Since then, Special Occasion Hire has won Event Decorator of the Year (London) at the English Wedding Awards 2016, as well as being featured in Your London Wedding four times! And her customer success speaks for itself with most of her business coming through word of mouth (she did a 1st birthday for a previous bride recently) and also their engaging and lush instagram

With business booming and Special Occasion Hire expanding into other events (birthdays, anniversary, corporate events, etc.), Rosemary got to the point where she needed cash flow and she needed it now. While exploring different options with banks she heard about Capital on Tap from her husband. She was amazed when within an hour of applying the money was in her account. Then, having the ability to log in online and leave the funds there for when she needs it, while always knowing exactly how much is available has been a real life saver.

“Things always pop up. Look at how much the prices change at flower markets. People just need some stability, life is complicated enough. Capital on Tap has given me that and made sure that I always have that cash flow.”

What’s next for Rosemary and Special Occasion Hire? With a particular passion for floor design and the desire to have her own show room, there certainly is enough to go around. Capital on Tap is looking forward to joining her on this journey!

For more information on Special Occasion Hire, visit their website:

Become a Capital on Tap customer today, and you can join Special Occasion Hire as a CoT Customer Success Story!

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Customer success story: Perpetual Art Design

Setting up a business at any time can be difficult. Whether you see a clear gap in the market, want to try and exploit a niche or simply have a great new idea. Bringing it to life takes hard work, dedication and an unshakable belief.

Now think about setting up a tattoo studio in the beautiful, picturesque, historical town of Taunton, Somerset. Not your traditional setting for a business of that nature. You would normally associate such a business with the vibrant urban areas of London. But getting this venture off the ground was a dream of Damian Michalak, a purist of the form and someone who takes his skill very seriously indeed.

His store, Perpetual Art Design, specialises in quality body art created with care and attention. Using top of the line equipment, creative design and attention to detail, Perpetual Art Design create, true works of art.

Challenges however have never been too far behind and have cropped up one after the other testing the resolve and patience of the team. Damian Michalak owner and CEO explains “First and foremost the challenge of sticking out like a sore thumb in such a quiet town was huge. People didn’t think we belonged here and attached a stereotype to us, assuming a typical customer would sweep the town and make noise, noise, noise.”

Overcoming such an obstacle and to change the public’s perception was always going to be difficult, add to that the lack of customers and you find the infancy of Perpetual Art Design a very difficult journey.

He continues “We found the challenge of getting our name out there very difficult. As well as a slow start in terms of customers, other factors started to take hold of the business. Day to day cashflow became an issue, we needed to get some equipment fixed and everything seemed to be going downhill.”

Fellow business owners can relate to Damian’s difficulties, getting that extra bit of funding to grow is essential to a successful business. “That’s why we went to Capital on Tap, they are tailor made for a business like us. The speed of their application and approval process was impressive. Once we were approved, we had funding in our account the same day. The next day we went out, got our equipment fixed and spent the rest of our funding on trying new things to attract customers.”

Trying new things, like going to university nights and other hot spots his core customers go to was a stroke of genius. Armed with leaflets, designs and his own tattoos on show Damian was able to craft a small following which has since grown across the town.

Now they boast 3 staff, a much brighter and funkier workspace, as well as state-of- the-art equipment that keeps them ahead of the trend curve.

The work is more varied and diverse than ever and the clients come from all backgrounds. The beauty of the growth is shown in diverse array of clients coming into the store on a daily basis. Word of mouth continues to spread and tattoos are becoming the thing to have in Somerset.

“We’ve come a long way from where we were at the start of opening this studio. We’ve broken stereotypes, introduced our craft and created quite a following. Capital on Tap opened doors to help us realise the potential of our business, the speed of the entire process meant we could start doing the things we wanted straight away. Much quicker than if we had gone down the traditional funding route. Now whenever we need a little extra boost for another new idea we want to try, we know that funds are literally only a click away.”

For more information on Perpetual Art Design, visit their website:

Become a Capital on Tap customer today, and you can join Perpetual Art Design as a CoT Customer Success Story!

Apply Now