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From application to funded, quickly

Getting finance from Rook Bristol takes three steps. Apply online in a few minutes with a soft search, receive a decision typically within 24 hours, then sign and receive funds, often within 48 hours. All finance is subject to status.

Start my application

  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

What does the process look like?

  1. Step 1

    You apply

    A short online application. Soft search only, no impact on your credit file.

  2. Within hours

    We review

    Our team confirms details and asks for recent business bank statements.

  3. Within 24 hours

    You get a decision

    Amount, term and total cost, in pounds.

  4. Within 48 hours

    Funds arrive

    Paid to your business bank account after you sign.

What do I need to qualify?

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

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