Business loans for restaurants & food service
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. Restaurant owners use Rook Bristol business loans to replace a walk-in fridge, range or extraction or refit the dining room or open a second site, with 3 to 60 months and decision within 24 hours; funds within 48 hours of signing.
| Amount | £10,000 – £1,000,000 |
|---|---|
| Term | 3 to 60 months |
| Speed | Decision within 24 hours; funds within 48 hours of signing |
| Payments | Fixed monthly instalments |
| Best for | Expansion, refurbishment, hiring, stock and one-off investments |
Common uses in restaurants & food service
- Replace a walk-in fridge, range or extraction
- Refit the dining room or open a second site
- Stock up before Christmas and summer trade
- Cover wages through a slow January
- Pay a quarterly VAT bill
Why restaurant owners choose an unsecured business loan
Equipment fails on a Friday
A walk-in fridge or extraction system can't wait weeks for a bank. A decision within 24 hours means the repair happens this week.
January is not December
Revenue-based finance takes a share of card takings, so repayments ease in quiet months and catch up when covers return.
Margins are thin and costs keep rising
Energy, food and wage costs squeeze every plate. We set out the total cost in pounds so you can check it against your margins before you sign.
VAT at 20% lands every quarter
A revolving facility covers the VAT bill without emptying the account you rely on for suppliers.
How does an unsecured business loan work?
- 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
Connect your business bank account through Open Banking so our decision engine can read real trading performance, not just a credit score.
- 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
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
Other funding for restaurant owners
- Revenue-based financeRepayments that rise and fall with your card and online takings.£10,000 – £1,000,000 · Flexible; ends when the agreed amount is repaid
- Asset financeHire purchase and leasing for vehicles, machinery and equipment.£10,000 – £1,000,000 per asset or package · Up to 60 months, matched to the asset's working life
- Revolving credit facilityA reusable credit limit. Draw what you need, repay, and draw again.£10,000 – £1,000,000 limit · Rolling facility, reviewed periodically
Questions, answered
Something else on your mind? Ask the team.
Can restaurant owners qualify for an unsecured business loan?
What is an unsecured business loan?
How much can my business borrow?
Can a newer restaurant qualify?
Want to partner with us?
Businesses, brokers and introducers: check eligibility in about three minutes, or talk to our team about working together.