The CDL would be great but it can be tricky to get them. I did a scheme and had to part fund my TR/MCC. I have a house, excellent credit rating, relatively low debt and had a job lined up with my employer at the time, yet I was still declined and it was for only £5000. The CDLs can be quite tricky to get. I had to borrow from my brother which I was very lucky to be able to do. It's great that you can defer payments but that's no use if you don't get it.
If you can afford he payments right away then you're probably best just getting a commercial bank loan. Less than a year after being declined for £5000 on a CDL I consolidated (and a bit more) for £18500 and got a really good deal with a supermarket owned bank. As always, shop around. I was offered the chance of deferring payments for two months. Not as good as the CDL abut still can be helpful.