Case Study: Capital on Tap accelerates credit decisioning and cuts credit risk resource needs by 50% with GDS Link

Capital on Tap Enhances Credit Decisioning with GDS Link Integration

Capital on Tap, a fast-growing lender serving 200,000+ businesses, had outgrown its in-house automated underwriting system: the platform was complex, resource‑heavy and slow to adapt—issues that were amplified during the COVID‑19 pandemic as competing priorities made building and deploying new models difficult. To accelerate decisioning and support expansion, Capital on Tap turned to GDS Link for a more flexible solution.

Capital on Tap integrated GDS Link’s credit decisioning platform with its existing rules and models, allowing faster rule changes and easier model deployment. The GDS Link implementation improved change speed by 30% (enabling new model integrations within weeks), let the data science team launch products and pricing in under four weeks, cut credit risk resource needs by 50%, delivered cost savings via third‑party data waterfalling, and supported the launch of Capital on Tap’s Business Credit Card into the US in 2021.

Capital on Tap

Hugh Acland

Chief Commercial Officer