Finance for every stage of business.
From £1,000 to £1,000,000. One free eligibility check, and our team matches you to the right funding from our panel of FCA-authorised partners — we’re a broker, so we’re not tied to any single lender.
Quick estimate
Total at representative 9.9% APR. Illustration only.
Choose your route to capital.
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
- 3–60m
- Cost
- from 6.9% APR
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
- 3–18m
- Cost
- flexible
Start-up Loan
Funding designed for new entrepreneurs to cover equipment, marketing, inventory and early operating costs. Application support available.
- Borrow
- £1k–£100k
- Term
- 12–60m
- Cost
- from 8.9% APR
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
- 1–24m
- Cost
- from 5.9% APR
Working Capital
Short-to-medium term funding to smooth cashflow, cover payroll, stock or seasonal dips.
- Borrow
- £5k–£300k
- Term
- 3–36m
- Cost
- from 7.4% APR
More lenders. Better odds.
Because we’re not tied to a single provider, we can search a wider panel to find the right lender for your business and circumstances — which gives you better options to qualify. And there’s no fee for finding your deal.
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.