Our Business Account Credit Add-ons.

Ready to kick in when you need it most. 

We’ve designed our unique set of credit products to make sure we can provide the kind of support your business needs.

As a responsible lender we’ll need to make sure you meet our eligibility criteria before you can add these onto your Cashplus Bank Account, but don’t worry, as soon as you’re eligible we’ll let you know. Please remember: Late repayments on credit products could affect your business credit score. If you need assistance, please visit MoneyHelper

Business overdraft

Preparing your business for the unexpected.

The Cashplus business overdraft is your regular safety net – have up to £2,000 ready to kick in when you need it.

Once you're eligible, it’s as simple as a few taps in the app (or clicks in Online Banking) to apply for an overdraft. Whether it’s covering the occasional bill or stretching for some necessary maintenance, use your overdraft when you need and repay it back by the payment due date (you'll find this in the overdraft statement you receive in your Online banking inbox).

Representative EAR 69.9% (variable) and an annual fee of £50.

Check out our overdraft page for more details. 

Business Creditbuilder

Your route to a better credit score for your Business. 

For many businesses it can be hard to improve your credit score - it could be that you’re a new business, or perhaps you’ve missed a few payments in the past. 

We designed our Business Creditbuilder to help businesses build their credit score.

It could help improve your business credit rating
All you pay is the cost of your normal monthly account fee for your Business Account which we turn into a loan agreement, with no money changing hands. 

Build your credit history
We report this agreement and your monthly payments to the two Credit Reference Agencies Experian and Equifax as successful loan repayments

Representative Example: Amount lent by APS: £108 for 12 months, 0% interest. 12 monthly payment of £9. Total amount payable: £108. Representative 0% APR.


  • Payments must be made on time to avoid damaging your business credit rating, as we’re obliged to report this information to the Credit Reference Agencies. 
  • The Business Creditbuilder is only available to customers who have a standard monthly fee on their Cashplus Business Bank Account.
  • For more information on how Creditbuilder works and signing up, view our Business Creditbuilder page.

Business Cash Advance

A flexible alternative to a business loan 
No two businesses are the same, and no two working days are the same. The Business Cash Advance helps your cashflow and protects your growth – and is designed with just that in mind.

Payments that work in line with your business
You’ll pay the advance through a small percentage of your customer card transactions, so payments work perfectly in line with your cash flow. That means if sales slow down, your payments will too.

Straightforward costs
There are no complicated APRs. Repayments are only ever taken as an agreed percentage of your future card sales, so there’s no fixed monthly payments.

For more details, see our Business Cash Advance FAQs


What next?

If you’re an existing Cashplus customer and have opted into receiving marketing communications, we’ll let you know as soon as you’re eligible for one of our bank account extras via email, Online Banking message or Push Notification/SMS. 

Worried you’ve missed a notice? No problem – just login to Online Banking or the Bank App. Your eligible products will display on your Account Overview screen, or you can visit the Bank account extras section.

If you’ve opted out of receiving marketing communications, you won’t be sent any communications about products you may be eligible for.

If you’re after some more information on any of our products, check out our help centre.

Terms and Conditions apply, including applicants being resident in the UK & aged 18+ and, if relevant, businesses being based in the UK.

For full website terms including information on Cashplus Bank, Mastercard and use of Trademarks, please see our full legal disclosures at https://www.cashplus.com/legal/.

Advanced Payment Solutions Limited (APS), trading as Cashplus Bank, is registered in England and Wales at Cottons Centre, Cottons Lane, London SE1 2QG (No.04947027). APS is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Firm Reference Number 671140.

APS provides credit facilities subject to approval and affordability, and where accounts continue to meet APS credit criteria.

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