Dojo and Capital on Tap Join Forces to Revolutionise the Way Businesses Manage Spend, Reward Spending and Access Funding

WHY THIS MATTERS: The integration of a leading point-of-sale (POS) terminal provider, Dojo, with a dedicated SME lending specialist, Capital on Tap, accelerates the adoption of embedded finance in the physical retail sector. Historically, business funding has been a separate, cumbersome application process. By offering a high-limit credit card—up to £250,000—directly through the payment terminal consultant, this partnership drastically simplifies the merchant journey from processing a payment to accessing capital. This is a crucial move for improving the cash flow management of small and medium-sized enterprises (SMEs) across the UK, allowing for near-instant access to spending power and attractive reward mechanisms that can directly offset transaction costs.

Payments technology provider Dojo and business card issuer Capital on Tap have today announced a new partnership to provide UK businesses with expanded access to card-based spending, unlimited 1% cashback, and funding solutions.

By introducing the Business Rewards Card, businesses can earn rewards automatically on card spending, including 1% cashback that can be reinvested back into the business. Customers who upgrade to Pro for £299 per year can also access unlimited 1.25% cashback when spending preloaded funds. Earned rewards are flexible and can be applied directly to the account statement, converted into travel loyalty points, or redeemed for gift cards.

Eligible UK limited companies and limited liability partnerships can also apply directly through Dojo for a co-branded business credit card, with credit limits of up to £250,000. Applicants are assessed and approved for the most suitable credit limit based on their business profile. The collaboration is designed to help businesses manage everyday spending, control expenses, and improve cash flow – a common challenge for many small and medium-sized enterprises.

Once approved, customers receive instant access to a virtual card, enabling them to start spending immediately. In addition to unlimited 1% cashback and rewards on all purchases, the card offers spend controls, and integrations with leading accounting software. There are no annual fees, foreign exchange fees, or ATM withdrawal fees.

To qualify, businesses must be actively trading and registered on Companies House, with no unsatisfied CCJ’s within the last 12 months.

The card is available to both new and existing Dojo customers who meet the eligibility criteria. Applications are submitted through a Dojo Payment Consultant, streamlining the process and providing faster access to funding and rewards.

Connor Piercey, GM of Cards at Dojo, said: “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.”

Damian Brychcy, CEO at Capital on Tap, said: “Together with Dojo, we’re expanding access to flexible card options that help UK SMEs manage spend and support healthier cash flow. It’s a straightforward route to getting set up quickly, earning cashback, and keeping tighter control of business expenses.”

FF NEWS TAKE: This partnership is significant because it fuses two distinct parts of the fintech ecosystem, directly addressing the UK SME liquidity challenge. It moves the needle by leveraging Dojo’s widespread distribution to funnel merchants seamlessly into Capital on Tap’s lending product. The next vital step to watch is how quickly they deepen the integration, using Dojo’s real-time transactional data for dynamic credit limit adjustments, which would truly revolutionise access to capital.