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Revolving credit facility for restaurants & food service

A revolving credit facility gives your business an agreed limit, from £10,000 to £1 million, that you draw from as needed. Restaurant owners use Rook Bristol revolving credit facility to replace a walk-in fridge, range or extraction or refit the dining room or open a second site, 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 restaurant 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 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 a revolving credit facility

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 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 restaurant owners

Questions, answered

Something else on your mind? Ask the team.

Can restaurant 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 restaurants & food service 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 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