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Revolving credit facility for hotels, pubs & leisure

A revolving credit facility gives your business an agreed limit, from £10,000 to £1 million, that you draw from as needed. Hospitality operators use Rook Bristol revolving credit facility to refurbish bedrooms, bars or function spaces or fit out a beer garden or terrace, with rolling facility, reviewed periodically and decision within 24 hours; draw funds once the facility is live.

Apply nowAbout revolving credit facility
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.

Revolving credit facility for hospitality operators
Amount£10,000 – £1,000,000 limit
TermRolling facility, reviewed periodically
SpeedDecision within 24 hours; draw funds once the facility is live
PaymentsMonthly, based on the balance drawn
Best forCash-flow gaps, VAT bills, seasonal stock and unexpected costs

Common uses in hotels, pubs & leisure

  • Refurbish bedrooms, bars or function spaces
  • Fit out a beer garden or terrace
  • Buy cellar, kitchen or gym equipment
  • Hire and train seasonal staff
  • Cover costs through the off-season

Why hospitality operators choose a revolving credit facility

Trade is seasonal

A coastal hotel's August looks nothing like its February. Revenue-based finance repays more in peak weeks and less when it's quiet.

Refurbishment drives bookings

Tired rooms and dated bars show up in reviews. Refresh them before the season, not after.

Costs arrive before guests

Staff, stock and energy are paid for ahead of the summer or festive rush.

Tied and free-of-tie pubs both qualify

What matters to us is your trading performance, whichever pub model you run.

How does a revolving credit facility work?

  1. 1

    Apply once online. We review turnover, cash flow and trading history, using Open Banking data alongside your credit file.

  2. 2

    Your finance team agrees a facility limit and explains the cost of drawing, in pounds, before anything is signed.

  3. 3

    Draw any amount up to your limit whenever you need it. Funds are sent to your business bank account.

  4. 4

    Repay monthly on what you've drawn. As you repay, that credit becomes available to use again without a new application.

What do I need to qualify?

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

Other funding for hospitality operators

Questions, answered

Something else on your mind? Ask the team.

Can hospitality operators qualify for a revolving credit facility?
Many can. We typically look for a UK-registered business, 6 months trading and £10K+ in monthly turnover. We review hotels, pubs & leisure businesses with the sector's cash-flow patterns in mind. All finance is subject to status.
What is a revolving credit facility?
It is a flexible credit limit your business can draw from, repay and draw from again. Think of it as a business overdraft that sits outside your bank: you pay only on the balance you use.
How is it different from a business loan?
A business loan pays out one lump sum with a fixed repayment schedule, which suits a known, one-off cost. A revolving facility is reusable and suits recurring or unpredictable needs such as VAT quarters, seasonal stock and cash-flow gaps.
Can seasonal businesses get funding?
Yes. We look at your trading across the year, and revenue-based finance is designed so repayments follow your takings.

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