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Business loans for retail & ecommerce

An unsecured business loan is a lump sum from £10,000 to £1 million, repaid in fixed monthly instalments over up to 60 months, with no property or assets taken as security. Retailers use Rook Bristol business loans to place a larger seasonal stock order or scale paid social and search campaigns, with 3 to 60 months and decision within 24 hours; funds within 48 hours of signing.

Apply nowAbout business loans
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.

Business loans for retailers
Amount£10,000 – £1,000,000
Term3 to 60 months
SpeedDecision within 24 hours; funds within 48 hours of signing
PaymentsFixed monthly instalments
Best forExpansion, refurbishment, hiring, stock and one-off investments

Common uses in retail & ecommerce

  • 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

Why retailers choose an unsecured business loan

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.

How does an unsecured business loan work?

  1. 1

    Apply online in a few minutes with your Companies House number, turnover and what the funds are for. Checking eligibility won't affect your credit file.

  2. 2

    Connect your business bank account through Open Banking so our decision engine can read real trading performance, not just a credit score.

  3. 3

    Your UK finance team confirms an amount, term and total cost, set out in pounds, within 24 hours. Nothing is binding until you sign.

  4. 4

    Sign electronically and the funds reach your business account, typically within 48 hours. Repay by Direct Debit on a fixed schedule.

What do I need to qualify?

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

Other funding for retailers

Questions, answered

Something else on your mind? Ask the team.

Can retailers qualify for an unsecured business loan?
Many can. We typically look for a UK-registered business, 6 months trading and £10K+ in monthly turnover. We review retail & ecommerce businesses with the sector's cash-flow patterns in mind. All finance is subject to status.
What is an unsecured business loan?
It is a loan that isn't secured against a specific asset such as property or machinery. You receive a lump sum and repay it in fixed instalments. Directors are usually asked for a personal guarantee, which is standard across UK unsecured lending.
How much can my business borrow?
Rook Bristol lends from £10,000 to £1 million. The amount offered depends on your turnover, trading history, cash flow and existing commitments. As a guide, applicants need at least 6 months of trading and £10,000 or more in monthly turnover.
Can online-only businesses apply?
Yes. We look at turnover, bank data and payment platform history, not whether you have a physical shop.

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