How GDS Link Enhances Capital on Tap’s Credit Decisioning Capabilities

GDS Link Optimizes Capital on Tap’s Credit Decisioning, Boosting Efficiency, Flexibility and Growth

Capital on Tap, a leading small business credit card and spend management platform, serves over 200,000 customers in the UK and US and has facilitated over £10 billion in spending.

Previously, Capital on Tap relied on a complex in-house system that required significant engineering resource. This system became increasingly challenging to manage as their business grew and application volumes soared. The need for a more adaptable solution, to enhance their existing capabilities, became clear, especially as dynamic market conditions like the Covid-19 pandemic highlighted the need for quicker adaptability.

By integrating GDS Link’s advanced credit decisioning platform, Capital on Tap achieved notable improvements:

• They reduced the speed of credit rule changes by 30%, allowing for instant updates and faster integration of new credit models.
• Their data science team now has greater flexibility, with the ability to roll out new products and pricing strategies in under four weeks.
• The need for credit risk development resources dropped by almost 50%, and significant cost savings were realized through third-party data waterfalling.
• The platform facilitated faster international expansion to the US market.

For companies seeking to optimize their credit decisioning and underwriting processes, partnering with GDS Link offers compelling advantages. The platform provides unparalleled flexibility and efficiency, enabling quicker updates and easier integration of new models. It reduces dependency on extensive in-house resources, allowing teams to focus on strategic initiatives while achieving substantial cost savings.

With GDS Link, businesses can streamline operations and accelerate market expansion, positioning themselves for sustained growth and innovation.

See How Capital on Tap Modernized Credit Decisioning

Capital on Tap needed a more flexible way to manage growing application volumes, adapt credit strategies faster, and reduce reliance on internal engineering resources. Download the case study to see how GDS Link helped improve efficiency, accelerate rule changes, support new product rollout, and enable continued growth across markets.