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Retail & ecommerce finance

Retail and ecommerce finance helps shops and online brands buy stock ahead of demand, fund marketing and bridge the gap between paying suppliers and getting paid. Rook Bristol provides revolving credit, business loans and revenue-based finance that flexes with your card and online takings.

Stock on the shelves before the rush

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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 retailers different?

You pay suppliers first

Stock is ordered months before it sells. A revolving facility covers the gap and becomes available again as stock sells through.

Golden quarter decides the year

Fund the Christmas order in September, then repay from peak trade in November and December.

Ad spend compounds

When a campaign is working, revenue-based finance lets you scale it, with repayments that follow the sales it generates.

Imports tie up cash

Duty, freight and import VAT are paid long before goods reach the shelf. Short-term credit keeps that from starving the rest of the business.

The funding retailers use most

What retailers fund with us

  • Place a larger seasonal stock order
  • Scale paid social and search campaigns
  • Open a pop-up or new shop
  • Upgrade EPOS and fulfilment
  • Cover import duty and freight

What do I need to qualify?

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

Retail & ecommerce finance questions

Something else on your mind? Ask the team.

Can online-only businesses apply?
Yes. We look at turnover, bank data and payment platform history, not whether you have a physical shop.
Can repayments follow my Shopify or Amazon sales?
Revenue-based finance can be linked to your online or card takings, so repayments rise and fall with sales. Your finance team will confirm how it works with your platforms.
Do you fund marketplace sellers?
Yes, provided you meet our trading and turnover criteria. Marketplace payout history helps us understand your sales pattern.

Finance built for retailers.

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

Apply nowContact our team