# Rook Bristol

> Smarter finance, for business. Rook Bristol provides capital to UK SMEs, from £10,000 to £1 million, through business loans, revolving credit, revenue-based finance, asset finance and invoice finance, using data-driven decisioning and a dedicated UK finance team. Typical requirements: 6 months trading, £10K+ in monthly turnover, A UK-registered business. All finance is subject to status. Founded 2023. Contact: hello@rookbristol.com.

## Funding products
- [Business loans](https://rookbristol.com/funding/business-loans): £10,000 – £1,000,000, 3 to 60 months. £10,000 to £1 million, repaid in fixed instalments over up to 60 months.
- [Revolving credit facility](https://rookbristol.com/funding/revolving-credit): £10,000 – £1,000,000 limit, rolling facility, reviewed periodically. A reusable credit limit. Draw what you need, repay, and draw again.
- [Revenue-based finance](https://rookbristol.com/funding/revenue-based-finance): £10,000 – £1,000,000, flexible; ends when the agreed amount is repaid. Repayments that rise and fall with your card and online takings.
- [Asset finance](https://rookbristol.com/funding/asset-finance): £10,000 – £1,000,000 per asset or package, up to 60 months, matched to the asset's working life. Hire purchase and leasing for vehicles, machinery and equipment.
- [Invoice finance](https://rookbristol.com/funding/invoice-finance): Facility linked to your sales ledger, rolling facility. Release cash tied up in unpaid invoices through factoring or discounting.

## Industries
- [Restaurants & food service finance](https://rookbristol.com/industries/restaurants): Restaurants, cafés, takeaways, caterers and street food.
- [Retail & ecommerce finance](https://rookbristol.com/industries/retail-ecommerce): High-street shops, online brands and omnichannel sellers.
- [Manufacturing & distribution finance](https://rookbristol.com/industries/manufacturing-distribution): Manufacturers, engineers, wholesalers and logistics firms.
- [Healthcare & medical finance](https://rookbristol.com/industries/healthcare): GP practices, dental, clinics, care providers and pharmacies.
- [Hotels, pubs & leisure finance](https://rookbristol.com/industries/hospitality): Hotels, B&Bs, pubs, bars, gyms and leisure venues.
- [Construction & trades finance](https://rookbristol.com/industries/construction): Main contractors, subcontractors, builders and specialist trades.
- [Professional services finance](https://rookbristol.com/industries/professional-services): Accountants, consultancies, agencies, recruiters and architects.
- [Technology finance](https://rookbristol.com/industries/technology): SaaS, IT services, MSPs and hardware resellers.
- [Law firms finance](https://rookbristol.com/industries/law-firms): Solicitors, barristers' chambers and legal services firms.

## Guides and articles
- [How to qualify for an unsecured business loan in the UK](https://rookbristol.com/guides/how-to-qualify-for-an-unsecured-business-loan-uk): What UK lenders check, what counts as strong, and how to prepare an application that gets a quick decision.
- [Revolving credit vs business loan: which fits your business?](https://rookbristol.com/guides/revolving-credit-vs-business-loan): A side-by-side comparison of cost, flexibility and repayment, with a simple rule for choosing.
- [What a soft search means on your credit file](https://rookbristol.com/guides/what-a-soft-search-means-on-your-credit-file): Soft searches, hard searches, and when each one happens during a UK business finance application.
- [How to read a business finance offer: APR, total repayable and personal guarantees](https://rookbristol.com/guides/how-to-read-a-business-finance-offer): The terms you'll see in a UK finance offer, which number to compare, and what to check before you sign.
- [Asset finance explained](https://rookbristol.com/guides/asset-finance-explained): How hire purchase and leasing work, what they cost, and how to choose between financing, leasing and paying cash.
- [Invoice finance explained](https://rookbristol.com/guides/invoice-finance-explained): Factoring and invoice discounting, how the advance works, and when it makes sense for a UK business.
- [VAT quarters and cash-flow gaps: how UK small businesses can plan for the VAT bill](https://rookbristol.com/blog/cash-flow-gaps-and-vat-quarters): Why the quarterly VAT bill catches profitable UK businesses short, how to forecast it, which HMRC schemes can help and when short-term finance fits.
- [Year-end cash checklist for UK small businesses: 12 checks before your financial year closes](https://rookbristol.com/blog/year-end-cash-checklist): A practical year-end cash checklist for UK SMEs: reconcile accounts, chase debts, map HMRC deadlines, review finance and build a 13-week forecast.
- [Seasonal cash flow planning for UK businesses: how to get through the quiet months](https://rookbristol.com/blog/seasonal-cash-flow-planning): How UK seasonal businesses can forecast the cash dip, build a buffer in peak months, time costs and tax, and decide when short-term finance makes sense.
- [What lenders look for in your business bank statements: a UK guide](https://rookbristol.com/blog/what-lenders-see-in-your-bank-statements): How UK lenders read business bank statements: turnover, balances, returned payments and existing debt, plus a checklist to prepare before you apply.
- [Late payment of invoices in the UK: your rights, statutory interest and how to get paid faster](https://rookbristol.com/blog/late-payments-uk-smes): When a UK business invoice is legally late, how to claim statutory interest and fixed compensation, and practical steps to get paid faster.
- [How to fund business growth without giving up equity in the UK](https://rookbristol.com/blog/funding-growth-without-giving-up-equity): How UK SMEs fund growth without selling shares: loans, revolving credit, revenue-based, asset and invoice finance, plus how to judge affordability.
- [Personal guarantees on UK business loans: what directors are really signing](https://rookbristol.com/blog/personal-guarantees-explained): What a personal guarantee on a UK business loan means, when lenders call on it, capped vs unlimited guarantees, and what to check before you sign.
- [How to build business credit in the UK: a practical guide for SMEs](https://rookbristol.com/blog/building-business-credit-uk): How UK business credit files work, what lenders check, how directors' personal credit links in, and practical steps to build a stronger business credit profile.
- [Should you use a commercial finance broker in the UK? Costs, pros and cons](https://rookbristol.com/blog/using-a-broker-for-business-finance): What a UK commercial finance broker does, how brokers are paid, FCA checks to run, and when applying direct to a business lender is the simpler route.

## Calculators
- [Business loan calculator](https://rookbristol.com/tools/loan-calculator): Monthly repayment and total interest on a fixed-rate business loan.
- [Revolving credit repayment estimator](https://rookbristol.com/tools/payment-estimator): Monthly repayment on a single draw from a revolving credit facility.
- [Funding estimator](https://rookbristol.com/tools/funding-estimator): A rough range for how much your business could be offered.
- [Repayment multiple to APR converter](https://rookbristol.com/tools/rate-converter): Translate a fixed-fee or multiple-based offer into an approximate APR.
- [Break-even calculator](https://rookbristol.com/tools/break-even-calculator): How many sales, or how much turnover, it takes to cover your costs.
- [DSCR calculator](https://rookbristol.com/tools/dscr-calculator): Your debt service coverage ratio, a figure lenders use to size facilities.

## Company
- [Why Rook Bristol](https://rookbristol.com/why-rook): Strategic financial solutions for UK SMEs. £40m+ capital deployed, 1,000+ customers financed, 30+ brokers and introducers.
- [How it works](https://rookbristol.com/how-it-works): Apply online in minutes, decisions typically within 24 hours, funds often within 48 hours of signing.
- [Compare options](https://rookbristol.com/compare): Rook Bristol vs. high-street banks and other online lenders in the UK.
- [Partners](https://rookbristol.com/partners): For UK brokers and introducers.
- [Cookie policy](https://rookbristol.com/cookies)
- [Privacy policy](https://rookbristol.com/privacy)
- [Apply](https://rookbristol.com/apply)
- [Contact](https://rookbristol.com/contact)
- [Full text for language models](https://rookbristol.com/llms-full.txt)