Case Studies

Reparo provides carpentry firm with funds to cope with increased demand

We provided a flexible, cash-flow loan to £1m turnover company.

The company is run by a husband and wife team and provides carpentry and joinery services across Kent. It has a turnover of £1 million.

The company had taken on a lot of new projects and needed a loan to pay for building materials and subcontractors to complete the work.

The directors knew that they were facing a funding gap and needed to get a working capital loan.

They went to a lender who was able to provide them with £100k. The company would get £50k in May and £50k in September.

However, demand for the company’s services increased during the intervening period of time. It took on more projects, which meant it needed even more working capital – and fast.

They applied for one of our Cash Flow Loans. These are small loans of between £10 to £75k that are perfect for emergencies.


An Ideal Fit

The company was an ideal fit for our loan criteria. It had good finances, both directors were homeowners, and its profits had been steady – even during the pandemic.

The directors were very busy and had a holiday planned, which meant that we had to be flexible.

We were able to do a site visit via video conference and we arranged to do a last-minute independent legal advice (ILA) meeting – just before the directors went on holiday.

We lent the client £26.5k, backed by two personal guarantees.

Because the client will complete its projects soon, it will be able to repay the loan in full within three months. The good news is that we don’t charge exit fees on our loans – yet another reason why Reparo was a great choice for this business.


Reparo Acts Fast

This example perfectly shows how our Cash Flow Loans help businesses overcome unexpected short-term funding gaps.

In this case, the company is very successful and needed additional funding to help service its order book.

We believe that growing companies like this deserve to get the working capital they need, when they need it.

That’s why we’ve been flexible to ensure they get their money – before it’s too late.

If you need fast access to short-term working capital, get in touch.

We offer two products:

  • Cash Flow Loans from £10k to £75k: perfect in a cash flow emergency.
  • Structured Loans from £75k to £1m: highly flexible solutions.

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

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