Case Studies


Reparo Finance Completed Deal: £50k Funding Provided in Three Days to Help a Bar Open and Start Generating Revenue.

Deal Type: Refurbishment

Loan Amount:  £50k

Loan Type:  Fast Track

Security: Personal Guarantee and Company Debenture

Region:  Yorkshire

Reparo helped an entrepreneur access funding for a newly acquired bar. The experienced entrepreneur already had experience in the sector and wanted to open his latest acquisition in a short timeframe; the loan of £50,000 was used to ensure a speedy refurbishment.

At the start, the refurbishment work required a small injection of cash, and accessing bank financing proved challenging. Although the entrepreneur had a good track record, there were factors that meant the bank’s lending process was likely to be lengthy:

  • The sector is not currently popular with lenders. However, Reparo assesses each case on its own merits, regardless of sector.
  • The bar industry generates seasonal revenue, so the management accounts showed inconsistent cashflow. While this is normal for the industry, it can delay lending with traditional lenders.

Although the entrepreneur may have been able to access funding from traditional lenders there would have been a delay, and with the Christmas season on the horizon there was no time to waste.

Andrew Ward, Reparo Managing Director, said: “This was a classic case of Reparo being able to make a quick decision to provide funding. After meeting the entrepreneur and looking at his current business, we felt comfortable with the deal. Once we were confident, we worked hard to get the deal completed quickly.”

Kelly Green, Reparo Relationship Manager, said: “Our credit committee agreed the deal very quickly and from there it was just a matter of organising the paperwork. We knew the entrepreneur needed to get the deal completed, so we liaised with our legal partners to get everything in place in a matter of days.” To discuss a loan of between £10,000 and £1m, please get in touch with one of the team on or 0161 451 5710. You can find out more about us on our website:

Email the team at, or call us on 0161 451 5710