December 21, 2019

Reparo Finance Completed Deal: £100k Fast Track Loan to Help an Online Fashion Retailer Keep Growing


Deal Type: E-commerce Working Capital Loan

Loan Amount: £100k

Loan Type: Fast Track Loan

Security: Personal Guarantees

Region: Nottingham, Nottinghamshire

Reparo Provide a Much Needed Cash Injection

Reparo helped an e-commerce startup obtain the working capital it needed to keep on growing. The startup was managed by two experienced entrepreneurs and sales were excellent. However, the need to keep replenishing stock led to cash flow challenges.

Because the business was a startup with cash flow problems lenders were concerned about debt serviceability, leaving the founders unable to secure working capital from traditional lenders. 

Reparo Finance had a strong relationship with the business having provided a loan to get it started, and was very happy to provide further lending to help the business address its short term cash flow issues. A working capital loan of £100,000 was deployed within days, and Reparo was comfortable with personal guarantees provided by both directors.

Reparo Step In When Banks Say No

The startup may have been a new business with cash flow challenges, but that didn’t tell the full story. The founders were experienced, highly competent and fully committed to the project, having committed £500,000 of their own money to the business – a sign of their commitment.


  • The founders had significant personal assets that could comfortably support £100,000 of personal guarantees.
  • The business had received an equity investment to support growth that demonstrated further belief in the founding team.
  • Reparo had been there from the start, having already provided a loan at the seed stage. The founders had proved they were able to service debt, and Reparo had a strong understanding of the business.

Reparo Finance Relationship Manager Jason Cossey had this to say about the deal:

“We were delighted to help this startup access the capital it needed. The founding team has a proven track record in business, significant personal assets and a large financial investment in the business. It was an easy decision to back the business and provide the liquidity it needed to continue growing”.

To discuss a loan between £10,000 and £1m, please get in touch with one of the team on sales@reparofinance.co.uk  or 0161 451 5710. You can find out more about us on our website:  www.reparofinance.co.uk