Cashplus Bank
PRA-authorised UK bank since 2021. Cashplus rebranded as Zempler Bank in 2024 (the company is Zempler Bank Limited, and cashplus.com now redirects to zemplerbank.com). Sits in the small-ticket business credit space: Business Creditbuilder, overdrafts and a business credit card for UK SMEs and sole traders. Useful for thin-file directors and newer businesses where mainstream term loans decline. Zempler serves sole traders, so sole-trader applicants should apply direct to Zempler rather than via this site.
Quick verdict
- Product: Business overdraft, credit card + Creditbuilder.
- Ticket band: Small-ticket credit; limits set per application.
- Pricing: Quoted at offer.
At a glance
Cashplus Bank, at a glance
- Legal entity
- Zempler Bank Limited (formerly Advanced Payment Solutions Limited)
- Companies House
- 04947027
- Founded
- 2003
- Product
- Business overdraft, credit card + Creditbuilder
- Ticket range
- Small-ticket credit; limits set per application
- Decision time
- Not published
- Ltd-only
- No, the lender also accepts other structures
Where Cashplus Bank is strong
- Creditbuilder loans help thin-file directors build a credit record.
- PRA-authorised bank; FSCS-protected business deposits alongside.
- Business accounts from £0 a month alongside the credit products.
Watch-outs, and when another lender may suit better
- Small-ticket products only; no use for larger needs.
- Hard credit search at application.
- Rate not published until offer stage.
Best fit applicants
- Small-ticket credit needs
- Thin-file or newer directors
Where Cashplus Bank is the wrong fit
- Larger borrowing needs
- Rate-shoppers
- Established Ltd companies wanting market pricing
If declined by Cashplus Bank
If your application to Cashplus Bank is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + 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.
FAQ
What can I borrow through Cashplus Bank?
Cashplus Bank offers business overdraft, credit card + creditbuilder. Ticket range: Small-ticket credit; limits set per application. Typical rate: Quoted at offer.
How long does Cashplus Bank take to decide?
Not published
Who is Cashplus Bank the best fit for?
First on the list: Small-ticket credit needs. The full list is under Best fit applicants above.
When might another lender suit better than Cashplus Bank?
First on the list: Larger borrowing needs. The other cases are under Where Cashplus Bank is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: Cashplus Bank
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.