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Revenue-based finance

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.

Repayments that move with your takings

Apply for revenue-based financeSpeak 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.

Revenue-based finance at a glance
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

What businesses use it for

  • Refurbish a restaurant, bar or shop
  • Buy seasonal stock ahead of peak trade
  • Scale paid advertising that's already working
  • Launch a new product line or site
  • Cover costs through a quiet season

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.

Why choose Rook Bristol for revenue-based finance?

Repayments follow your trade

A slow January takes less from your account than a busy December, which protects cash flow when it's tightest.

One fixed cost

The total repayable is agreed up front. It doesn't change however long repayment takes, and there's no compounding interest.

Decided on trading, not just credit

Strong, consistent takings count for a lot, which suits businesses with a shorter credit history.

Nothing to remember

Repayments are collected automatically from takings, so there are no fixed dates to plan around.

Revenue-based finance by industry

Related funding

Revenue-based finance questions

Something else on your mind? Ask the team.

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.
What happens if my takings drop?
Your repayments fall too, because they're a percentage of what you take. If trading is disrupted for a longer period, speak to your finance team early so they can discuss options with you.
Which payment providers do you work with?
We work with data from most major UK card terminal providers and ecommerce platforms. Your finance team will confirm how collections work for your set-up when you apply.
Can I switch card terminal provider during the agreement?
Let us know before you switch. In most cases we can move collection to your new provider or agree an alternative arrangement.
Who is it best suited to?
Businesses with regular card or online sales, such as restaurants, cafés, pubs, shops, salons and ecommerce brands, especially where trade is seasonal.

Ready to see your revenue-based finance offer?

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

Apply nowContact our team