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Revenue-based finance for retail & ecommerce

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. Retailers use Rook Bristol revenue-based finance to place a larger seasonal stock order or scale paid social and search campaigns, 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 retailers
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 retail & ecommerce

  • Place a larger seasonal stock order
  • Scale paid social and search campaigns
  • Open a pop-up or new shop
  • Upgrade EPOS and fulfilment
  • Cover import duty and freight

Why retailers choose revenue-based finance

You pay suppliers first

Stock is ordered months before it sells. A revolving facility covers the gap and becomes available again as stock sells through.

Golden quarter decides the year

Fund the Christmas order in September, then repay from peak trade in November and December.

Ad spend compounds

When a campaign is working, revenue-based finance lets you scale it, with repayments that follow the sales it generates.

Imports tie up cash

Duty, freight and import VAT are paid long before goods reach the shelf. Short-term credit keeps that from starving the rest of the business.

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 retailers

Questions, answered

Something else on your mind? Ask the team.

Can retailers 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 retail & ecommerce 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 online-only businesses apply?
Yes. We look at turnover, bank data and payment platform history, not whether you have a physical shop.

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