More than 80,000 small British businesses, ranging from electricians and taxi firms to shop owners and consultants, have borrowed more than £1bn from this online lender. It can issue as much as £50,000 in credit within four business days. Customers can either access the funds via a credit card or have them transferred directly into their bank accounts. Serial entrepreneurs George Karibian, 54, and Jan Farrarons, 43, founded Capital on Tap in 2012, with chief executive David Luck, 36. It has raised £200m in debt funding to date and sales — which come from interest charges — hit £39.3m this year.
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