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Revolving credit facility for retail & ecommerce

A revolving credit facility gives your business an agreed limit, from £10,000 to £1 million, that you draw from as needed. Retailers use Rook Bristol revolving credit facility to place a larger seasonal stock order or scale paid social and search campaigns, 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 retailers
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 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 a revolving credit facility

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 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 retailers

Questions, answered

Something else on your mind? Ask the team.

Can retailers 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 retail & ecommerce 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 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