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Invoice finance for restaurants & food service

Invoice finance releases most of the value of your unpaid invoices within days of raising them. Restaurant owners use Rook Bristol invoice finance to replace a walk-in fridge, range or extraction or refit the dining room or open a second site, with rolling facility and advances typically within 24 hours of submitting an invoice, once live.

Apply nowAbout invoice finance
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.

Invoice finance for restaurant owners
AmountFacility linked to your sales ledger
TermRolling facility
SpeedAdvances typically within 24 hours of submitting an invoice, once live
PaymentsSettled when your customer pays, less an agreed fee
Best forB2B firms on 30 to 90 day payment terms

Common uses in restaurants & food service

  • 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

Why restaurant owners choose invoice finance

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.

How does invoice finance work?

  1. 1

    Apply and share your aged debtors report. We assess the quality of your customers as much as your own business.

  2. 2

    Choose factoring, where we manage collections for you, or invoice discounting, where you keep control and customers need not know.

  3. 3

    Raise an invoice as normal and upload it. We advance an agreed percentage of its value, usually within 24 hours.

  4. 4

    When your customer pays, you receive the balance, minus a fee agreed at the outset.

What do I need to qualify?

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

Other funding for restaurant owners

Questions, answered

Something else on your mind? Ask the team.

Can restaurant owners qualify for invoice finance?
Many can. We typically look for a UK-registered business, 6 months trading and £10K+ in monthly turnover. We review restaurants & food service businesses with the sector's cash-flow patterns in mind. All finance is subject to status.
What is invoice finance?
Invoice finance lets you borrow against money your customers owe you. You receive an advance on unpaid invoices, then the balance, less fees, once the customer pays.
What's the difference between factoring and invoice discounting?
With factoring, the finance provider manages your sales ledger and collects payment from your customers. With invoice discounting, you keep running credit control and collections yourself, and the arrangement can be confidential.
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.

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