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Business loans for technology

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. Founders use Rook Bristol business loans to hire engineers ahead of a contract or buy servers, networking and client hardware, 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 founders
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 technology

  • Hire engineers ahead of a contract
  • Buy servers, networking and client hardware
  • Bridge the wait for an R&D tax credit claim
  • Fund a product launch or marketing push
  • Bridge enterprise payment terms

Why founders choose an unsecured business loan

Recurring revenue is an asset

Predictable subscription income can support funding without selling equity at an early valuation.

R&D tax credits arrive later

Claims can take months to pay out. Revolving credit covers the wait so development doesn't slow.

Hardware comes first

Servers, networking kit and client deployments can be spread over their working life with asset finance.

Enterprise and public sector pay slowly

Long procurement and payment cycles leave cash tied up. Invoice finance or a revolving facility bridges them.

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 founders

Questions, answered

Something else on your mind? Ask the team.

Can founders 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 technology 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.
Do SaaS companies qualify?
Yes, if you have at least 6 months of trading and £10,000 or more in monthly turnover. Recurring subscription income strengthens an application.

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