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Restaurants & food service finance

Restaurant finance covers the costs that come with food service: kitchen equipment, refits, stock and wages through quiet months. Rook Bristol funds UK restaurants, cafés, takeaways and caterers from £10,000 to £1 million, with decisions within 24 hours and repayment options that follow your card takings.

Capital that keeps pace with the kitchen

Apply nowSpeak 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.

What makes funding restaurant owners different?

Equipment fails on a Friday

A walk-in fridge or extraction system can't wait weeks for a bank. A decision within 24 hours means the repair happens this week.

January is not December

Revenue-based finance takes a share of card takings, so repayments ease in quiet months and catch up when covers return.

Margins are thin and costs keep rising

Energy, food and wage costs squeeze every plate. We set out the total cost in pounds so you can check it against your margins before you sign.

VAT at 20% lands every quarter

A revolving facility covers the VAT bill without emptying the account you rely on for suppliers.

The funding restaurant owners use most

What restaurant owners fund with us

  • Replace a walk-in fridge, range or extraction
  • Refit the dining room or open a second site
  • Stock up before Christmas and summer trade
  • Cover wages through a slow January
  • Pay a quarterly VAT bill

What do I need to qualify?

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

Restaurants & food service finance questions

Something else on your mind? Ask the team.

Can a newer restaurant qualify?
We look for at least 6 months of trading and £10,000 or more in monthly turnover. If you're newer, your finance team can tell you what's possible now and what changes as your trading history builds.
Can I finance used kitchen equipment?
Yes. Asset finance covers new and used commercial kitchen equipment from dealers or private sellers, subject to valuation.
How does revenue-based finance work for a restaurant?
An agreed percentage of your daily card takings goes towards repayment. Busy weekends repay more, quiet weekdays less, until an agreed total is cleared.
Do you fund takeaways and delivery-led kitchens?
Yes. Takings through delivery platforms and card terminals both count towards your trading picture.

Finance built for restaurant owners.

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

Apply nowContact our team