Amadeus
from£12/mo
- Card machine sent out by post
- Video troubleshooting support
- PCI compliance support
Independent UK business finance broker
Capital,
Capital,
without the
waiting.
Business loans, merchant cash advances, start-up and invoice finance — matched to your business by a broker that isn’t tied to any single lender. Plus card machines and payments that just work.
- £0 broker fee to find your deal
- No impact on your credit score
- From £1k to £1m
Finance, decoded
Find the funding that fits.
Pick a product to see who it’s for, how much you can borrow, what it could cost and exactly what you’ll need to apply.
Fixed-term funding for growth, from £1k to £500k.
Business Term Loan
A traditional business loan with fixed monthly repayments over a set term. Ideal for expansion, equipment, refurbishment or bridging a cashflow gap.
- Borrow
- £1k – £500k
- Term
- 3–60 months
- Cost
- from 6.9% APR
You’ll need
- Business bank statements
- Photo ID — driving licence or passport
- Proof of address
- Proof of business
Quick estimate
Est. monthly
Total · interest · at 6.9% APR. Illustration only — your rate depends on your circumstances and the lender.
Apply for business term loan →
Repay as a percentage of your daily card takings.
Merchant Cash Advance
Get a lump sum today and repay automatically as a small percentage of your future card sales. Repayments flex with your takings — quieter days cost less. Based on your card machine turnover.
- Borrow
- £3k – £200k
- Term
- 3–18 months
- Cost
- % of card sales
You’ll need
- Business bank statements
- Card machine / merchant statements
- Photo ID — driving licence or passport
- Proof of address
- Proof of business
How repayment works
Repayments are a small percentage of each day’s card sales — quieter days mean smaller repayments. The exact percentage and fee are set by the funding partner. Illustration only.
Check MCA eligibility →
Launch capital for new businesses.
Start-up Loan
Funding designed for new entrepreneurs to cover equipment, marketing, inventory and early operating costs. Application support available.
- Borrow
- £1k – £100k
- Term
- 12–60 months
- Cost
- from 8.9% APR
You’ll need
- Business bank statements
- Photo ID — driving licence or passport
- Proof of address
- Proof of business
Quick estimate
Est. monthly
Total · interest · at 8.9% APR. Illustration only — your rate depends on your circumstances and the lender.
Apply for start-up loan →
Unlock cash tied up in unpaid invoices.
Invoice Finance
Release up to 90% of an invoice’s value immediately instead of waiting 30–90 days for customers to pay. Also known as accounts-receivable financing.
- Borrow
- £5k – £1m
- Term
- 1–24 months
- Cost
- from 5.9% APR
You’ll need
- Business bank statements
- Photo ID — driving licence or passport
- Proof of address
- Proof of business
Quick estimate
Est. monthly
Total · interest · at 5.9% APR. Illustration only — your rate depends on your circumstances and the lender.
Apply for invoice finance →
Flexible day-to-day cashflow funding.
Working Capital
Short-to-medium term funding to smooth cashflow, cover payroll, stock or seasonal dips.
- Borrow
- £5k – £300k
- Term
- 3–36 months
- Cost
- from 7.4% APR
You’ll need
- Business bank statements
- Photo ID — driving licence or passport
- Proof of address
- Proof of business
Quick estimate
Est. monthly
Total · interest · at 7.4% APR. Illustration only — your rate depends on your circumstances and the lender.
Apply for working capital →
How it works
Five turns to unlock your funding.
- 01
Create your free account
Register in under a minute. Your data is encrypted and only used to assess your application.
- 02
Tell us about your business
A short, guided questionnaire covering your business, trading history and what you need the money for — so we can assess affordability properly.
- 03
Upload your documents
12 months of business bank statements, photo ID, proof of address and proof of business — straight into your secure portal. MCA also needs 12 months of card-machine statements.
- 04
We review it manually
Real underwriters check everything and match you with the right partner from our panel of FCA-authorised funders — with a clear yes or no.
- 05
Funded — and tracked
Accept your offer and track your facility live in your portal: balance, schedule, payments and statements, all in one place.
Your CP0 account
Your finance, tracked in real time.
Every customer gets a private, encrypted portal. Watch your application move through each stage, upload documents securely and follow every repayment of your loan — down to the penny.
- Live application tracker — from submitted to funded
- Secure KYC document uploads with review status
- Balance, progress and full repayment schedule
- Make payments and download statements any time
Payment solutions
Take payments everywhere.
Card machines, POS, online and mobile payments — and because we’re not tied to one provider, we find the best deal via our partnerships with UK-based merchant banks.
Sales-counter transactions. Connect via telephone line, IP or our M2M router. Great for hotels, estate agents, offices and garages.
Dedris
from£17/mo
- Card machine set up by engineer
- Video troubleshooting support
- 4–24hr call-out service
- PCI compliance support
Tentro
from£24/mo
- Card machine set up by engineer
- Video troubleshooting support
- 4hr call-out service
- PCI compliance support
We supply the Ingenico iWL250. Perfect for bistros, restaurants and bars — up to 200m connection from base.
Amadeus
from£22/mo
- Card machine sent out by post
- Video troubleshooting support
- PCI compliance support
Dedris
from£27/mo
- Card machine set up by engineer
- Video troubleshooting support
- 4–24hr call-out service
- PCI compliance support
Tentro
from£33/mo
- Card machine set up by engineer
- Video troubleshooting support
- 4hr call-out service
- PCI compliance support
Roaming all-network SIM. Take payments anywhere with no telephone line, no line rental and no cables.
Amadeus
from£24/mo
- Card machine sent out by post
- Video troubleshooting support
- PCI compliance support
Dedris
from£28/mo
- Card machine set up by engineer
- Video troubleshooting support
- 4–24hr call-out service
- PCI compliance support
Tentro
from£34/mo
- Card machine set up by engineer
- Video troubleshooting support
- 4hr call-out service
- PCI compliance support
Prices exclude VAT. Deposit-paid options available. Contactless, Apple Pay & Google Pay compatible. Account approval subject to merchant acquirer checks.
Price promise
Not tied to one provider — we find you the best deal for a bespoke card processing service.
Latest technology
Latest Ingenico contactless equipment, connected via broadband or our secure M2M router to cut line costs.
Fast approvals
We help face-to-face with your application and install for you. Accounts approved within 5 working days.
Local service
A dedicated local representative — and a 4–24hr repair or replace service if your terminal ever needs attention.
Customers
Trusted by business owners.
★★★★★
“CP0’s asset finance has been instrumental in helping us acquire the equipment we needed for our business expansion. Competitive rates, flexible repayment options and a quick approval process made the whole experience smooth and hassle-free. The team was knowledgeable, responsive and provided excellent guidance throughout.”
★★★★★
“The mobile payment solutions have been a game-changer for our business. We can easily accept payments from anywhere, providing convenience to our customers and boosting our sales. The team has been responsive and supportive throughout the entire setup process.”
★★★★★
“The POS system has revolutionised our retail operations. It is user-friendly, efficient and has improved our sales tracking, inventory management and customer engagement. The team was extremely helpful in customising the system to fit our needs.”
★★★★★
“Their online payment links and e-commerce payment integration have made checkout seamless for my customers. Secure, reliable processing has significantly increased customer trust and satisfaction — instrumental in helping me grow my online business.”
Straight answers
Questions, answered.
Still unsure? Call 0333 344 2326 — a real person will pick up.
Why use a broker like CP0?
CP0 is a broker for loan services, which gives us a wider choice of lenders to find the best provider for your business and circumstances. We’re not tied to any specific lender — which in return gives you better options to qualify for funding.
Do you charge any fees?
No — CP0 doesn’t charge any fee for finding you the best loan deal. The only fee applies if you’d like us to help complete a government Start-up Loan application, which is £450 per application.
Will checking my eligibility affect my credit score?
No. Checking your eligibility with CP0 is free and won’t affect your credit score. Finance is always subject to status, affordability and lender approval.
What is a business loan?
A business loan provides capital for expansion, working capital, equipment or stock. You receive a lump sum and repay it over a set term, typically with interest, in fixed monthly repayments.
What is a merchant cash advance?
A lump sum paid to your business in exchange for a percentage of your future card sales. It’s repaid automatically through a portion of your daily card takings until the advance, plus fees, is repaid — so repayments flex with your trading.
What is a start-up loan?
Financing designed for new businesses and entrepreneurs to cover initial costs such as equipment, marketing, stock or early operating expenses — crucial support in the early stages.
What documents will I need?
Every finance application needs 12 months of business bank statements, photo ID (driving licence or passport), proof of address and proof of business. A merchant cash advance also needs 12 months of card-machine / merchant statements. You upload everything securely in your CP0 account.
How fast can I get a card machine?
Merchant accounts are typically approved within 5 working days. We can meet you face-to-face, then install the equipment for you once your account is approved.
Ready when you are
Unlock what your business could do.
It takes a few minutes, it’s free, and it won’t touch your credit score.