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Revolving credit facility for professional services

A revolving credit facility gives your business an agreed limit, from £10,000 to £1 million, that you draw from as needed. Firm owners use Rook Bristol revolving credit facility to hire ahead of a new client win or acquire a client book or smaller firm, 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 firm owners
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 professional services

  • Hire ahead of a new client win
  • Acquire a client book or smaller firm
  • Pay contractors weekly while clients pay monthly
  • Fit out a new office
  • Invest in systems and software

Why firm owners choose a revolving credit facility

People are the biggest cost

Salaries are paid monthly while clients pay on 30 to 60 day terms. Invoice finance or revolving credit smooths the difference.

Growth means hiring ahead

A new contract needs people in seats before the first invoice goes out.

Buying a book or a firm

Acquiring a client book or a smaller practice is a common route to growth, and a business loan can fund it.

Recruiters pay contractors weekly

Temporary and contract recruitment agencies pay workers long before clients settle. Invoice finance is built for this gap.

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 firm owners

Questions, answered

Something else on your mind? Ask the team.

Can firm owners 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 professional services 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 asset-light firms get funding?
Yes. Unsecured business loans and revolving credit don't require property or equipment as security. We look at turnover, cash flow and client quality.

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