27/05/2026
Same drawdown. Very different cost.
We recently worked with a client who was looking at drawing down £9,000 over 3 months, and we compared the cost of using Capital on Tap against a Flexible Line of Credit.
The difference was significant.
With Capital on Tap, the interest came out at £1,308.
With a Flexible Line of Credit, the same amount over the same term came out at £629.
That is less than half the cost.
It is a good example of why these conversations matter. Businesses often keep using the funding option they already know, but that does not always mean it is the most cost-effective one.
Sometimes a quick comparison is all it takes to uncover a better solution, and over time, that can make a real difference to cash flow.
If you are already using short-term funding and have not reviewed the cost recently, it may be worth doing.