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Revenue-based finance for restaurants & food service

Revenue-based finance advances your business £10,000 to £1 million, repaid as an agreed percentage of your card and online takings, so you pay more in busy weeks and less in quiet ones. Restaurant owners use Rook Bristol revenue-based finance to replace a walk-in fridge, range or extraction or refit the dining room or open a second site, with flexible; ends when the agreed amount is repaid and decision within 24 hours; funds within 48 hours of signing.

Apply nowAbout revenue-based finance
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.

Revenue-based finance for restaurant owners
Amount£10,000 – £1,000,000
TermFlexible; ends when the agreed amount is repaid
SpeedDecision within 24 hours; funds within 48 hours of signing
PaymentsA fixed percentage of card and online takings
Best forHospitality, retail and ecommerce businesses with regular card or online sales

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 revenue-based finance

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 revenue-based finance work?

  1. 1

    Apply online and connect your card terminal, payment provider or ecommerce platform data, plus your business bank account through Open Banking.

  2. 2

    We look at your recent takings to agree an advance and a single, fixed total repayable, shown in pounds before you sign.

  3. 3

    Receive the funds in your business bank account, typically within 48 hours of signing.

  4. 4

    An agreed share of each day's card or online takings goes towards repayment until the total is cleared. No takings, no repayment that day.

What do I need to qualify?

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

Other funding for restaurant owners

Questions, answered

Something else on your mind? Ask the team.

Can restaurant owners qualify for revenue-based finance?
Many can. We typically look for a UK-registered business, 6 months trading and £10K+ in monthly turnover. We review restaurants & food service businesses with the sector's cash-flow patterns in mind. All finance is subject to status.
What is revenue-based finance?
It is funding repaid as a fixed percentage of your future card or online takings rather than a fixed monthly instalment. You receive a lump sum and repay an agreed total, which is collected gradually as you trade.
Is it the same as a merchant cash advance?
It works on a similar principle. Repayments are linked to card or online sales, but the total you repay is fixed and agreed before you sign, and you'll see it set out in pounds.
Can a newer restaurant qualify?
We look for at least 6 months of trading and £10,000 or more in monthly turnover. If you're newer, your finance team can tell you what's possible now and what changes as your trading history builds.

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