Case Studies

Reparo helps hospitality interiors firm with luxury materials purchase

We provided a £50k cash flow loan to fund upfront payments for materials on major hotel contract.

The Kent-based company manufactures curtains, cushions, bed throws, and other furnishings for hotels and other hospitality businesses.

The company had won a large new contract with a hotel chain and needed to buy extra materials to serve the contract. 

One of these materials was a special fabric that had to be woven to order and had an eight-week lead time. The fabric supplier required payment upfront for this material. 

This and the other stock required to serve the contract created a funding gap.

The interior design company began looking for a lender. The amount of money it required was substantial, especially measured against their turnover. This meant that they struggled to find a lender. 


A Site Visit Reveals All 

The company came to Reparo for help. We could see that its directors had been in the interior design industry since 2009 and were very experienced. 

But the business itself had only been established in 2020 and so we couldn’t lend to them based on their limited company accounts. 

The site visit, however, cemented our enthusiasm for the deal. Upon meeting the directors and seeing the facilities we could tell that the:

  • Company was well-run.
  • Directors understood the risk and their responsibilities.
  • Business would be able to repay the loan.

We provided the company with a £50k loan and the directors signed two personal guarantees as security. The directors also expected to receive inheritance money in the near future, which would allow them to pay off the loan in full if they so wished.


Fund Your Business’s Growth With Reparo

When a company wins new business it’s usually a good thing. But new customers and contracts – especially very large ones – often require investment in extra materials or new staff to complete the additional work.

This is where many businesses experience a funding gap. On the face of it, borrowing money for this shouldn’t be an issue – the extra revenue from the new contract will cover the loan.

The problem is that many lenders have strict criteria that limit how much they are willing to fund businesses.

Reparo has these criteria too – the difference is that we can be flexible. In this case, we were satisfied that the business was well-rated, had experienced directors, and could provide security on the deal.

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