One tap to start. We match you against acquirers who already approve your kind of trade.
Fix going in hereToday the lead records __other instead of the chosen trade whenever anyone picks "Other trade" — that's 29% of leads, with a further 36% empty. Only 9 of 60 trades are tiles, so most visitors land in that path. The trade also drives Capital on Tap's businessCategory.
MerchantHQ
Step 2 of 4 · How you take payments50%
How do you take payments?
Pick one or more.
Are you a limited company?
Start typing and pick your company from Companies House.
Free data, no questions askedThe Companies House profile call (MerchantHQ only calls search + officers today) returns the registered address and incorporation date. That alone satisfies 4 of Capital on Tap's 19 required fields plus iwoca's trading_from_date.
Sole trader → iwoca still possible, Capital on Tap excluded outright — their businessType accepts limited companies and LLPs only.
MerchantHQ
Step 3 of 4 · Your numbers75%
Your card sales and turnover
Acquirers price by volume. An estimate is fine.
What you take through card machines and online checkout.
£
You can also type a custom amount.
Everything the business takes, including cash, transfers and invoices.
£
You can also type a custom amount.
The change that unblocks everythingCard sales alone aren't turnover — they miss cash, transfers and invoiced work, so a "£15–50k" band could be a £40k business or a £250k one. Both partners need an exact total turnover: without it iwoca returns worthless sample quotes and Capital on Tap rejects the application. Six chips in two clean rows, no orphan row, free-type still accepted.
MerchantHQ
Step 4 of 4 · Your details100%
Last bit. How do we reach you?
We email matched quotes within 24 to 72 hours.
Unchanged, and deliberately soThis is where the lead is captured, with three independent write legs. Nothing about a partner route is allowed to sit in front of it. Everything after this screen happens only once the lead is safely landed.
MerchantHQ
Thank you
Your enquiry is in. A MerchantHQ specialist will be in touch within 24 hours with matched terminal and acquirer quotes.
While you're here — want a funding decision in minutes?
You're a limited company with £45,000 monthly turnover, so you can get a real decision from our lending partners now rather than waiting for a callback. Four short questions.
No thanks — your card quotes are on their way regardless.
Why it sits here, not in the formThe four-step form is conversion-tuned, drop-off instrumented and canaried. Putting the extra questions inside it taxes every visitor to serve the minority who qualify. Here it's opt-in, post-capture, and shown only when the route evaluator says the lead is eligible.
MerchantHQ
Funding check · 4 questions
A few details the lenders need
We already have your company details from Companies House. These are the only things we can't look up.
Must be a mobile, starting 07.
Lenders check this against the director on record.
Capital on Tap: applying won't affect your credit score. You'll be approved on a soft search, subject to eligibility. A visible mark is made on your commercial file when you sign your credit agreement.
iwoca: iwoca will run their own check, which does leave a footprint on your file.
Four questions, not nineName splitting, title, date of birth, mobile and home address. Turnover was already captured on step 3, and everything about the business came free from Companies House.
Per-partner disclosure — Capital on Tap changed on 31 Jul: no visible hard search at application. iwoca's check still leaves a footprint. One generic line across both would be wrong.
MerchantHQ
Here's what you qualify for
Real figures returned by the iwoca sandbox for this exact business profile.
£26,000iwoca · confirmed
Term
12 months
APR
60.23%
Total repayable
£33,312
£26,000iwoca · confirmed
Term
24 months
APR
68.82%
Total repayable
£42,949.92
Business credit cardCapital on Tap · deciding
Reference Q737Z89. Decisions usually land within a few minutes — we'll email as soon as it's back.
What's real hereBoth are live sandbox responses from today. iwoca is synchronous — offers come back on the spot. Capital on Tap is asynchronous: submit, get a locator, poll for up to five minutes, so the interface needs this waiting state rather than pretending it's instant.
Outbound only — the annual turnover sent to iwoca is monthly × 13.5. It is computed inside the iwoca client at send time and appears nowhere else: not in the lead email, not in Supabase, not on the partner dashboard.