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Business loans for professional services

An unsecured business loan is a lump sum from £10,000 to £1 million, repaid in fixed monthly instalments over up to 60 months, with no property or assets taken as security. Firm owners use Rook Bristol business loans to hire ahead of a new client win or acquire a client book or smaller firm, with 3 to 60 months and decision within 24 hours; funds within 48 hours of signing.

Apply nowAbout business loans
Check your eligibilityStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your finance manager.

£10K£1M
How long have you been trading?
What's your average monthly turnover?

Total money coming into your business account in a typical month.

What type of business is it?
Where should we reach you?

We'll use this only for your application.

Business loans for firm owners
Amount£10,000 – £1,000,000
Term3 to 60 months
SpeedDecision within 24 hours; funds within 48 hours of signing
PaymentsFixed monthly instalments
Best forExpansion, refurbishment, hiring, stock and one-off investments

Common uses in professional services

  • Hire ahead of a new client win
  • Acquire a client book or smaller firm
  • Pay contractors weekly while clients pay monthly
  • Fit out a new office
  • Invest in systems and software

Why firm owners choose an unsecured business loan

People are the biggest cost

Salaries are paid monthly while clients pay on 30 to 60 day terms. Invoice finance or revolving credit smooths the difference.

Growth means hiring ahead

A new contract needs people in seats before the first invoice goes out.

Buying a book or a firm

Acquiring a client book or a smaller practice is a common route to growth, and a business loan can fund it.

Recruiters pay contractors weekly

Temporary and contract recruitment agencies pay workers long before clients settle. Invoice finance is built for this gap.

How does an unsecured business loan work?

  1. 1

    Apply online in a few minutes with your Companies House number, turnover and what the funds are for. Checking eligibility won't affect your credit file.

  2. 2

    Connect your business bank account through Open Banking so our decision engine can read real trading performance, not just a credit score.

  3. 3

    Your UK finance team confirms an amount, term and total cost, set out in pounds, within 24 hours. Nothing is binding until you sign.

  4. 4

    Sign electronically and the funds reach your business account, typically within 48 hours. Repay by Direct Debit on a fixed schedule.

What do I need to qualify?

  • 6 months trading
  • £10K+ in monthly turnover
  • A UK-registered business
Check my options

Other funding for firm owners

Questions, answered

Something else on your mind? Ask the team.

Can firm owners qualify for an unsecured business loan?
Many can. We typically look for a UK-registered business, 6 months trading and £10K+ in monthly turnover. We review professional services businesses with the sector's cash-flow patterns in mind. All finance is subject to status.
What is an unsecured business loan?
It is a loan that isn't secured against a specific asset such as property or machinery. You receive a lump sum and repay it in fixed instalments. Directors are usually asked for a personal guarantee, which is standard across UK unsecured lending.
How much can my business borrow?
Rook Bristol lends from £10,000 to £1 million. The amount offered depends on your turnover, trading history, cash flow and existing commitments. As a guide, applicants need at least 6 months of trading and £10,000 or more in monthly turnover.
Can asset-light firms get funding?
Yes. Unsecured business loans and revolving credit don't require property or equipment as security. We look at turnover, cash flow and client quality.

Want to partner with us?

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

Apply nowContact our team