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Reparo Finance: Cash Flow Business Loans

Through our FastTrack Business Finance product, we offer cash flow business loans of up to £50,000. These loans help businesses of all sizes navigate troubled waters, take advantage of great opportunities and manage working capital effectively.

In this article, we’re going to take a look at what a cash flow loan is and why Reparo Finance is the perfect place to obtain a cash flow business loan.

What is an Unsecured Business Loan?

Firstly, let’s look at what we mean by a cash flow loan. We are talking about short term loans of up to 12 months, where an asset or business is NOT available to secure the loan. Cash Flow loans from FastTrack Finance are secured on the personal guarantees only of the directors and / or key shareholders.

As a cash flow loan allows you to borrow without using business assets as security, it’s normally quicker to access capital this way because you avoid the due diligence process required to determine the value of security and it generally does not affect other lending within the business.

Cash Flow loans from Fast Track will require a personal guarantee which means directors are required to pay back the money personally if the business cannot.

Cash Flow Loans at Reparo Finance

We provide cash flow loans of up to £50,000 for any purpose. Unlike brokers, we invest our own capital in great businesses. Loans can be used to:

✔ Improve cash flow

✔ Invest in assets

✔ Grow your team

✔ Deal with an unexpected problem

✔ Take advantage of an opportunity

✔ Fund a project

✔ Implement seasonal marketing

Speak to one of our expert commercial lenders to see if you qualify for a loan. Get in touch by phone or email, and we’ll be delighted to talk through your options.

Key Benefits of an Cash Flow Loan

✔ Borrow up to £50,000

✔ Less paperwork than a secured loan

✔ No asset security required

✔ Funds are released quickly

✔ Loan can be for any reason

✔ Flexible repayment terms

✔ No hidden charges

Who Qualifies?

We don’t have rigid criteria – we prefer to look at every business on its merits – and we lend to businesses that have a good business case and can offer a personal guarantee.

We make loans to businesses of all different shapes and sizes, so the best way to see if you qualify is to get in touch and speak to one of our expert team.

If you’re not eligible, we’ll be able to tell you very quickly so you’re not wasting time. Get in touch if you are:

✔ A UK-based business

✔ Willing to offer a personal guarantee

✔ Have a sensible business plan

Why Reparo is the Perfect Place to Obtain a Cash Flow Loan

Reparo Finance is different to most business lenders. We pride ourselves on being client-focussed; here are five reasons why our approach is so exceptional.

  1. We provide expertise to help you access the best finance product for your business.
  2. Our process is fast and based on your timescales, not ours.
  3. People who understand your business make lending decisions.
  4. The process is transparent and clear; your loan isn’t processed by an algorithm or faceless centralised department.
  5. Our lending terms are simple, free from complicated jargon and penalties.

Reparo Provides Expertise

Our commercial lending team all have at least ten years’ experience in business financing, and some have a lot more. At every stage in the process, you will be dealing with an expert that can evaluate your proposition quickly and provide the best solution.

Our team are experienced at evaluating loan propositions so we can tell you very quickly if you have a good case for a loan. If a cash flow loan isn’t the best approach for your business we’ll lay out the alternatives.

If we think you have a strong case for a loan, we’ll work with you to ensure the documentation is put in place quickly. You’ll be dealing with one member of the team that will guide you through the process quickly and efficiently so you can focus on running your business.

Reparo Work Quickly

We understand that sometimes financing needs to be put in place quickly, that’s why our team place a huge emphasis on speed.

We can provide loans much faster than traditional lenders because our process is less constrained by red tape. Once we’ve taken a look at the business case and are satisfied that a loan is viable, we work fast to make sure the money is in your account when you need it.

We can do this by using an expert team of commercial lenders and legal partners who are used to working to tight deadlines.

You Always Deal with a Person

We are the antidote to the modern phenomenon of impersonal lending. Because traditional lenders have hundreds of loans to process, you won’t normally be dealing with the same person, and this causes lots of communication issues.

Because one Reparo team member works with you, we’re able to spend time getting to know your business and providing a bespoke solution that works for you.

Reparo Lending Decisions are Transparent

The lending market is moving towards lending decisions being made by distant teams or algorithms that take a long time to make a decision and provide no feedback.

Because the people that sign off loan decisions sit in the same office as your key contact, you will be kept up-to-date at every stage of the lending process. If there is a problem or question, it will be fed back to your contact who will pick up the phone to resolve the issue with you.

You definitely won’t get an unexplained loan refusal: issues will be dealt with quickly and efficiently as they arise.

Reparo’s Process is Simple

We’ve mentioned how you’ll be kept up-to-date every step of the way; you’ll also be signing documents that are very clear.

We understand that you don’t have time to spend hours reviewing legal documentation, so with that in mind we keep ours easy to understand. We use simple language, not complicated legalese, so when you sign terms you’ll know exactly what they mean.

To get a cash flow loan of up to £50,000, please get in touch with one of our team by telephone on 0161 451 5710 or email

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