Capital on Tap has facilitated more than £10 billion in spending for over 200,000 small businesses. As the business scaled, their in-house underwriting system became harder to maintain, and every credit rule change competed for the same limited engineering resources.

By integrating the GDS Link Decisioning Platform with their existing systems, Capital on Tap’s risk team gained the ability to configure and deploy credit rule changes directly, without routing every adjustment through engineering.

The result: strategy changes 30% faster, new products and pricing piloted and launched in under four weeks, and credit risk development resource needs cut by almost half.

• 50% reduction in credit risk resource needs
• 30% faster change speed for new models
• Under 4 weeks to launch new products and pricing

“This integration has reduced our dependency on in-house engineering resources for simple credit rule changes, making these adjustments a quick and straightforward process.”
— Hugh Acland, Chief Commercial Officer, Capital on Tap