Capital on Tap Renews GDS Link Partnership

Capital on Tap enhances its capabilities through a renewed multi-year deal with GDS Link, utilising their decisioning platform to support and complement Capital on Tap’s proprietary risk models across its UK and US business.

Since its launch in 2012, Capital on Tap has served over 200,000 small business customers, facilitating over £10 billion in transactions through its all-in-one small business credit card and spend management platform.

Their latest ‘Preloading’ innovation has been introduced to address common challenges faced by SMEs. This ground-breaking feature empowers UK cardholders to boost their credit line using their own funds, blending external financing with their internal capital to form a flexible hybrid model. This setup allows smaller or newer businesses to define their own spending limits and enables larger companies to go beyond their assigned credit limits if needed.

As it scales, Capital on Tap will leverage its partnership with GDS Link to enhance its automated risk decisioning processes. Utilising in-house data science and credit risk expertise, Capital on Tap has built proprietary modelling and analytics capabilities, which will be further optimised through GDS Link’s leading platform. Capital on Tap can then quickly iterate and improve its models, developing bespoke decisioning paths tailored to different customer segments and types.

GDS Link, a global leader in credit risk management solutions, currently processes over a billion decisions yearly for clients across 46 countries including Shawbrook Bank, Sella Personal Credit, TymeBank, LendingClub and Best Egg.

Paul Thomas, Chief Revenue Officer at GDS Link said, “Our long-term collaboration with Capital on Tap marks a significant milestone globally. They are a valued partner and a leading example of how the short-term credit puzzle can be solved for many underserved small businesses. We’re thrilled to continue supporting their UK and US growth strategies where they’ll continue to benefit from our leading credit risk decisioning and data analytics platform, alongside our combined expertise.”

Hugh Acland, Commercial Director at Capital on Tap said, “Through our partnership with GDS Link, we can further enhance serving small businesses in the UK and US by complementing our in-house risk modelling, decisioning and analytics processes with their platform. This alliance amplifies our ability to leverage cutting-edge technology alongside our proprietary data science and credit risk expertise, driving continued growth while delivering exceptional service.”