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Sign in Check eligibility

From application to funded — clearly tracked.

Five simple steps, real people reviewing every application, honest pricing and a portal that shows you exactly where you stand — before, during and after funding.

Free to checkNo credit score impact£0 broker fee*Manual review
Your journey

Five turns to unlock your funding.

  1. 01 · Under a minute

    Create your free account

    You

    Register with your name, business and email.

    CP0

    Your data is encrypted and only used to assess your application.

    Nothing to prepare yet.

  2. 02 · About 4 minutes

    Tell us about your business

    You

    Complete a guided questionnaire: how much you need, what for, turnover, trading history and existing commitments.

    CP0

    We use your answers to assess affordability responsibly and shortlist suitable products.

    Have rough turnover and profit figures to hand.

  3. 03 · 5–10 minutes

    Upload your documents

    You

    Upload 12 months of business bank statements, photo ID, proof of address and proof of business (plus card statements for an MCA).

    CP0

    Documents are stored privately and reviewed only by CP0 underwriters.

    PDF bank statements straight from online banking are ideal.

  4. 04 · Typically 24–48 hours

    We review it manually

    You

    Answer any follow-up questions from our team.

    CP0

    Real underwriters review everything and match you with the most suitable partner from our panel of FCA-authorised funders.

    Keep your phone handy — a quick call can speed things up.

  5. 05 · Varies by lender

    Get your offer, funded & tracked

    You

    Review the offer — rate, fees and total cost — and only accept if it’s right for you.

    CP0

    Once you accept and sign, the lender pays out. Your balance, schedule and every repayment appear live in your CP0 account.

    You’re never obliged to accept an offer.

Be prepared

Your document checklist.

Every finance application needs these. Having them ready is the single biggest thing that speeds up a decision.

Business bank statements
Last 12 months, all pages. PDF preferred.
Photo ID — driving licence or passport
Clear, in-date, all four corners visible.
Proof of address
Utility bill or council tax dated within the last 3 months.
Proof of business
In the business name — Companies House, business bank or utility.
Card machine / merchant statements MCA only
Last 12 months of card takings (PDQ / merchant provider).
Full transparency

How CP0 is paid.

For you
Checking eligibility, applying and being matched is free. The only fee we ever charge is £450 if you ask us to prepare a government Start-up Loan application.
From lenders
When a loan completes, the lender may pay CP0 a commission. It never changes the rate or terms you’re offered, and you can ask us about it at any time.
Independence
We’re not tied to a single lender, so we can search our panel for the option that genuinely suits your business.
Your protections
  • Checking eligibility won’t affect your credit score — we’ll always tell you before any full credit check.
  • You’re never obliged to accept an offer.
  • All costs are shown in your offer before you sign.
  • Your documents are stored privately and only seen by our underwriters.
  • We work with FCA-authorised funding partners.
After funding

Every penny, tracked.

Your CP0 account becomes your finance control room: live balance, a full repayment schedule, payment history, statements, and a countdown to your next payment.

  • Live balance & % repaid
  • Repayment timeline and schedule
  • Download statements any time
  • Make payments from your account
Open your free account →
Questions

Good to know.

* The only fee: £450 if you ask us to prepare a government Start-up Loan application.

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.

Start your free check →