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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 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.

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

Strategic Financial Solutions

We work with leading business services and brands to provide capital to SMEs across the UK through the use of advanced technology and data-driven strategies.

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

Unrivalled Credit Capabilities

Our approach is data-driven, innovative, and designed to enhance financial outcomes.

    • Lead Generation
    • Omni-Channel
    • Automation
    • CRM Integration

    Capital Deployment

    Ensuring businesses receive the right funding at the right time with minimal friction.

    • Risk-Based Pricing
    • Data-Driven
    • Flexible Structuring
    • Scalable

    Capital Strategies

    Customised financial solutions designed for sustainable business expansion and market adaptability.

    • Real-Time Data
    • AI-Driven Insights
    • Fully Integrated

    Smart Decision Engine

    Advanced analytics and automation to enhance capital allocation and financial performance.

    • Risk Management
    • Due Diligence
    • Asset Protection
    • Compliance

    Risk & Asset Strategies

    Comprehensive risk management ensuring stability and financial security.

Smart Decision Engine

Decisions built on how your business actually trades

Real-time turnover through Open Banking, your credit file and your Companies House record are read together, then checked by a person. A dip in one month doesn't outweigh four good years.

  • Turnover over tick-boxes

    Affordability comes from live account data, not a single score.

  • Soft search first

    Checking your eligibility never marks your credit file.

  • Every cost in pounds

    Total amount repayable and schedule shown before you sign.

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

Range
£48,000 – £72,000

Check my eligibility

Illustrative estimate, not an offer. Finance is 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