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Business loans

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.

One sum, one schedule, no surprises

Apply for business loansSpeak to our team
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 at a glance
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

What businesses use it for

  • Fit out or refurbish premises
  • Open a second site
  • Hire ahead of a new contract
  • Buy stock in volume at a better price
  • Consolidate costlier short-term borrowing
  • Fund a marketing push or website rebuild

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.

Why choose Rook Bristol for an unsecured business loan?

No assets at risk

We don't take a charge over your property or equipment. A personal guarantee from directors is usually required, and we explain exactly what that means before you sign.

Fixed, predictable repayments

The same amount leaves your account each month, which makes the loan simple to plan around your VAT quarters and payroll.

Terms up to five years

Spreading repayments over up to 60 months keeps each instalment manageable and matches the cost to the value the investment creates.

Clear total cost

You see the full amount repayable, in pounds, before you commit. Early settlement is available, and your team will quote the figure on request.

Business loans by industry

Related funding

Business loans questions

Something else on your mind? Ask the team.

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.
How quickly will I get a decision?
Most applications receive a decision within 24 hours once we have your details and Open Banking data. After you sign, funds typically arrive within 48 hours. All lending is subject to status.
Will applying affect my credit file?
Checking eligibility uses a soft search, which lenders can't see and which doesn't affect your credit score. A full search with Experian, Equifax or TransUnion only happens if you choose to proceed.
Can I repay early?
Yes. You can settle early at any time. Ask your finance team for a settlement figure and they will confirm it in writing.
Can sole traders and partnerships apply?
Yes. We lend to limited companies, LLPs, partnerships and sole traders that are based and trading in the UK.

Ready to see your business loans offer?

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

Apply nowContact our team