A modern approach with old fashioned values

There are five million small businesses in the UK, and they’re all different. Our approach to lending recognizes this. Instead of rigid criteria and complicated forms, we focus on understanding your business and what lending is right for you.

We keep it simple. You’ll speak to a real person who will focus on working out the right finance solution for you. Whether you need cash to capitalize on an opportunity or solve a problem we’ll give you a quick decision – so you can get on with running your business.

What do we do?

We provide flexible commercial loans of between £20k and £1m; depending on circumstances our loans can be secured or unsecured.

In a world of increased automation, we prefer a personalized approach. This means we provide one point of contact to help get your loan completed quickly. This is how we do it:

Step 1 – Tell us about your business and the reasons for the loan.

Step 2 – We’ll make a fast decision on whether we can offer the loan.

Step 3 – Our team prepare the paperwork for you to sign.

Step 4 – With funds in place you get on with running your business.

Our Culture

We’re here to help small and medium-sized businesses access the lending they need. Our culture is what drives our success. We strive to be:

Efficient: We help you get the right solution with the minimum fuss. After the initial consultation, we focus on getting deals completed in your timeframe.

Knowledgeable: Our team have seen it all in commercial lending – we’ll make sure the solution is right for you.

Responsible: We lend to businesses and work with them to develop long term relationships, providing very clear and simple documents and procedures.

Straightforward: From our honest assessment about your business case to our simple paperwork, you’ll find working with us is a breeze.

Key Personnel

We appreciate that raising money is one of the most important and sometimes intimidating parts of running a business.

To make this process less painful, we have built a team with expertise, enthusiasm and an unrelenting drive to find the right solution for you. The team has a wealth of experience – lending for FTSE 100 companies, high-growth startups and some of the best in the business.

We’re also very friendly! Here’s a bit more information on the team…

As Reparo’s Managing Director, Andrew leads the team and makes sure we’re upholding our high standards; he also spends a lot of time meeting clients. With a 25-year career in corporate lending working with Rothschild, Credit Agricole and Lloyds TSB, Andrew specialises in providing innovative funding for the commercial market.

As Reparo’s Operations Director, Sharon is involved at all stages of the lending process, from origination and initial vetting to driving deals across the line. With over 20 years of experience in asset-based lending, Sharon is ACIB-qualified and has been part of the Reparo family since its inception.

As Reparo’s Sales Director, Steve is responsible for building and developing a solid introducer base and liaising with our network of brokers. With over 20 years of experience in commercial finance, Steve joins us from previous management roles at Capify and Funding Options, where he was instrumental in creating diverse broker networks.

As Reparo's Financial Controller, Clare manages all financial planning and regulatory reporting. With a long and successful career in financial management, Clare is an integral member of the team. She has previously worked in accounting roles at Zurich Life & Investments, the NHS and Barclays Bank.

As one of Reparo’s Relationship Managers, Jason is involved at all stages of the lending process, from initial inquiries and due diligence to liaising with clients to make sure they are comfortable with the process. Jason has over ten years of experience in commercial lending, with previous managerial roles at RBS and Funding Options.

As Reparo’s Business Development Manager, Liam represents Reparo to clients and guides them through the entire loan process. With 12 years of experience in commercial lending, Liam has a wealth of experience in deal origination and due diligence and previously worked at Five Arrows, GE Capital and ABN AMRO.

As a Relationship Manager at Reparo, Kelly is involved at all stages of the lending process, andworks with clients to make sure they are comfortable with every part of the process. Kelly previously worked at Freeman Jones Limited and RBS and has over 14 years of experience in commercial lending.

As Business Development Executive at Reparo, Olivia’s role involves building strong relationships with a diverse client base and guiding them through the loan process, from initial enquiry to completion. Olivia has a strong track record in commercial finance, having worked at Lombard and NatWest before joining Reparo.

Mark is a strategic advisor to Reparo since it’s inception, advising the board on Growth Strategy and Marketing trends. He has been involved at a board level with various Fintech’s, as well as being the Senior Partner at Red Flag Alert.

As Reparo’s Managing Director, Andrew leads the team and makes sure we’re upholding our high standards; he also spends a lot of time meeting clients. With a 25-year career in corporate lending working with Rothschild, Credit Agricole and Lloyds TSB, Andrew specialises in providing innovative funding for the commercial market.

As Reparo’s Operations Director, Sharon is involved at all stages of the lending process, from origination and initial vetting to driving deals across the line. With over 20 years of experience in asset-based lending, Sharon is ACIB-qualified and has been part of the Reparo family since its inception.

As Reparo’s Sales Director, Steve is responsible for building and developing a solid introducer base and liaising with our network of brokers. With over 20 years of experience in commercial finance, Steve joins us from previous management roles at Capify and Funding Options, where he was instrumental in creating diverse broker networks.

As Reparo's Financial Controller, Clare manages all financial planning and regulatory reporting. With a long and successful career in financial management, Clare is an integral member of the team. She has previously worked in accounting roles at Zurich Life & Investments, the NHS and Barclays Bank.

As one of Reparo’s Relationship Managers, Jason is involved at all stages of the lending process, from initial inquiries and due diligence to liaising with clients to make sure they are comfortable with the process. Jason has over ten years of experience in commercial lending, with previous managerial roles at RBS and Funding Options.

As Reparo’s Business Development Manager, Liam represents Reparo to clients and guides them through the entire loan process. With 12 years of experience in commercial lending, Liam has a wealth of experience in deal origination and due diligence and previously worked at Five Arrows, GE Capital and ABN AMRO.

As a Relationship Manager at Reparo, Kelly is involved at all stages of the lending process, andworks with clients to make sure they are comfortable with every part of the process. Kelly previously worked at Freeman Jones Limited and RBS and has over 14 years of experience in commercial lending.

As Business Development Executive at Reparo, Olivia’s role involves building strong relationships with a diverse client base and guiding them through the loan process, from initial enquiry to completion. Olivia has a strong track record in commercial finance, having worked at Lombard and NatWest before joining Reparo.

Mark is a strategic advisor to Reparo since it’s inception, advising the board on Growth Strategy and Marketing trends. He has been involved at a board level with various Fintech’s, as well as being the Senior Partner at Red Flag Alert.

As a Business Development Manager, Daniel represents Reparo to clients and finds exceptional brokers to partner with. He has over ten years of experience in commercial finance, and joins us from a previous role as Business Development Manager at Lloyds.