Cashplus Bank
PRA-authorised UK bank since 2021, operating under Zempler Bank Limited (rebranded from Advanced Payment Solutions in June 2024) but still trading consumer-facing as Cashplus. Sits in the small-ticket business credit space: creditbuilder loans, overdrafts, and small business loans for UK SMEs and sole traders. Useful for thin-file directors and newer businesses where mainstream term loans decline. Cashplus accepts sole traders broadly, so sole-trader applicants should apply direct to Cashplus rather than via this site.
Quick routing verdict
- Product: Business loan + creditbuilder + overdraft.
- Ticket band: £2k to £25k.
- Decision time: 1 to 3 business days.
- Pricing: Quoted at offer.
- FCA-authorised.
At a glance
- Legal entity
- Zempler Bank Limited (formerly Advanced Payment Solutions Limited)
- Companies House
- 04947027
- Founded
- 2003
- Product
- Business loan + creditbuilder + overdraft
- Ticket range
- £2k to £25k
- Decision time
- 1 to 3 business days
- Ltd-only
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-05-08
Why we route here
- Accepts sole traders and very small Ltd companies that mainstream lenders decline.
- Creditbuilder loans help thin-file directors build a credit record.
- PRA-authorised bank; FSCS-protected business deposits alongside.
- Decisions in 1 to 3 days.
When we route elsewhere
- Maximum ticket caps at around £25k; no use for larger needs.
- Hard credit search at application.
- Rate not published until offer stage.
Best fit applicants
- Sole traders (apply direct, not via BBL)
- Sub-£25k tickets
- Thin-file or newer directors
Where Cashplus Bank is the wrong fit
- Tickets above £25k
- Rate-shoppers
- Established Ltd companies wanting market pricing
If declined by Cashplus Bank
If your application to Cashplus Bank is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Cashplus Bank decline runbook for sector-specific routing detail.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Cashplus Bank
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
Run the matcher
Tell us your turnover, sector and ticket size. We score against Cashplus Bank and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-05-08. By Oliver Mackman.