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Smarter Financingfor Businesses

Rook Bristol provides capital to UK SMEs from £10,000 to £1,000,000: business loans, revolving credit, revenue-based, asset and invoice finance. Check your eligibility with a soft search and get a decision within 24 hours.

Check your eligibility
Step 1 of 5
How much funding do you need?
£10K£1M
How long have you been trading?
What's your average monthly turnover?
What type of business is it?
Where should we reach you?
Capital deployed to SMEs
Applications processed
Contact Our TeamLearn More
A finance team in a meeting, one colleague smiling at the camera over a laptop

Financing built around you

We fund UK businesses quickly and fairly, using smart technology and real trading data to find the right finance for you.

Why Rook Bristol
Client satisfaction rate
Customers financed
Brokers & introducers
  • Precision
  • Discretion
  • Strategy
  • Integrity

Why businesses choose us

Faster answers, fairer terms and funding that works for you.

    • Quick Decisions
    • Online Application
    • Soft Search
    • Minimal Paperwork

    Fast, simple applications

    Apply online in minutes. Get a decision quickly and funds soon after, without the paperwork pile.

    • Flexible Terms
    • Fair Pricing
    • Tailored Structure
    • Room to Grow

    Funding that fits

    Amounts, terms and repayments shaped around how your business actually trades.

    • Real-Time Data
    • Whole-Business View
    • Smart Underwriting

    Decisions on the whole picture

    We look at your real trading data, not just a credit score, so more good businesses get a yes.

    • Transparent Costs
    • Affordability Checks
    • No Hidden Fees
    • Compliance

    Clear and responsible

    Upfront costs, no hidden fees and lending you can comfortably afford.

How it works

From first question to funded, with minimal friction

Three steps, one named contact, and no surprises about cost.

  1. Step 1 of 3

    Check your eligibility

    Tell us about your business, how much you need and what it's for. We use a soft search, so checking has no effect on your credit file.

    • About 3 minutes online
    • Soft search only
    • Open Banking or bank statements, not a paperwork pile

  2. Step 2 of 3

    Our decision engine does the reading

    Real-time turnover data, your credit file and Companies House records are assessed together, then a specialist on our UK team reviews the whole picture.

    • Decision within 24 hours
    • Every cost shown before you sign
    • One named contact, start to finish

  3. Step 3 of 3

    Funds, at the right time

    Accept the offer that fits and the money reaches your business account, often within 48 hours. Revolving facilities can be drawn again as you repay.

    • Funding often within 48 hours
    • No early settlement surprises
    • Room to grow as you repay

Eligibility

What it takes to qualify

Most Rook Bristol finance starts with three things. Close on one? Check anyway. We assess the whole business, not a checklist.

  • 6 months trading
  • £10K+ in monthly turnover
  • A UK-registered business
Read the eligibility guide
Eligibility estimate
No credit impact
Credit file
£40,000

You could qualify for around

£60,000

£48,000 – £72,000

Check my eligibility

Illustrative estimate, not an offer. Subject to status and affordability.

Industries

Underwriting that understands how you earn

Seasonal trade, slow-paying clients and asset-heavy balance sheets, read for what they are.

All industries

Questions, answered

Something else on your mind? Ask the team.

What do I need to qualify?
Most Rook Bristol facilities look for a UK-registered business with at least 6 months trading and £10K or more in monthly turnover. We work with limited companies, LLPs, partnerships and sole traders. If you're close on any of these, apply anyway: we assess the whole business, not just a checklist. All finance is subject to status.
Will applying affect my credit file?
No. We start with a soft search, which is visible only to you and doesn't affect your credit score. A hard search is only carried out if you choose to proceed with an offer, and we'll tell you before it happens.
How quickly can I get a decision?
Most complete applications receive a decision within 24 hours, and funds can reach your business account within 48 hours of signing. Sending recent bank statements and your Companies House details up front is the quickest route.
How much can I borrow?
From £10,000 to £1 million, over terms of up to 60 months. The amount depends on the product, your turnover, cash flow, credit file and time trading.
What does it cost?
Pricing depends on your business, the product and the term. Every offer sets out the total amount repayable, the repayment schedule and any fees before you sign, so you can compare it with other options. There's no charge to apply.
Do I need to provide a personal guarantee?
Many unsecured business finance facilities in the UK ask directors for a personal guarantee, and some of ours do. If one is required, it will be clearly stated in your offer, and we recommend you take independent advice before signing.
Who will I be working with?
A dedicated UK finance team who stay with you from application to funding, and afterwards for top-ups, renewals or new facilities. We also work with a network of 30+ brokers and introducers.

Want to partner with us?

Businesses, brokers and introducers: check eligibility in about three minutes, or talk to our team about working together.

Check eligibilityContact our team