Dojo and Capital on Tap partner to transform SME spending and funding

Payments technology provider Dojo has announced a partnership with business credit card specialist Capital on Tap, aimed at reshaping how UK small and medium-sized enterprises (SMEs) manage spending, earn rewards, and access funding.

The collaboration introduces a new co-branded Business Rewards Card, designed to provide businesses with streamlined expense management tools alongside competitive cashback incentives. Cardholders will benefit from unlimited 1% cashback on all spending, with the option to upgrade to a Pro tier – priced at £299 annually – to unlock enhanced cashback of 1.25% when using preloaded funds.

Rewards earned through the programme offer flexibility, allowing businesses to apply cashback directly to account statements, convert it into travel loyalty points, or redeem it for gift cards. The initiative reflects growing demand among SMEs for financial products that combine simplicity with tangible value.

In addition to rewards, the partnership expands access to credit. Eligible UK limited companies and limited liability partnerships can apply directly through Dojo for the co-branded card, with credit limits of up to £250,000. Applications are assessed based on each business’s financial profile, ensuring tailored credit allocations.

The offering is positioned to address a persistent challenge among SMEs: managing cash flow while maintaining operational agility. Alongside cashback incentives, the card includes spend controls and integrates with leading accounting software platforms, enabling businesses to track and manage expenses more effectively.

Successful applicants gain immediate access to a virtual card, allowing them to begin spending without delay. The product also eliminates common cost barriers, with no annual fees, foreign exchange fees, or ATM withdrawal charges.

To qualify, businesses must be actively trading, registered with Companies House, and free from unsatisfied County Court Judgments (CCJs) within the past 12 months. The card is available to both new and existing Dojo customers, with applications facilitated through Dojo Payment Consultants to streamline onboarding and accelerate access to funding.

Connor Piercey, General Manager of Cards at Dojo, said the partnership reflects a shift in SME expectations: “Small businesses are increasingly looking for financial tools that are simple to access, transparent and aligned with how they operate day to day. This partnership with Capital on Tap allows us to broaden Dojo’s payments ecosystem with card-based solutions that support more effective spending and cashflow management, while maintaining a clear focus on ease of use and value for businesses.”

“It’s a straightforward route to getting set up quickly, earning cashback, and keeping tighter control of business expenses.”