Reparo
Manchester-based principal lender running short-term business loans and small-ticket bridging across England and Wales. Direct decisioning, broker-distributed, with a flexible appetite on cases mainstream banks reject (CCJs, light arrears, complex security). Common sense underwriting is the headline pitch.
Quick verdict
- Product: Short-term business loan and bridging.
- Ticket band: £10k to £1m.
- Pricing: 1% to 3% per month.
At a glance
Reparo, at a glance
- Legal entity
- Reparo Finance Limited
- Companies House
- 09030965
- Founded
- 2014
- Product
- Short-term business loan and bridging
- Ticket range
- £10k to £1m
- Decision time
- 24 to 72 hours
- Ltd-only
- No, the lender also accepts other structures
Where Reparo is strong
- Direct lender, not a packager; principal capital behind every offer.
- Will look at cases with prior CCJs, light arrears or complex security.
- Same-day or next-day decisions on clean files.
Watch-outs, and when another lender may suit better
- Per-month rate quoting hides total cost of capital.
- No regulated consumer lending; commercial-only.
- Short tenor means refinance pressure on longer-term needs.
Best fit applicants
- Short-term cash-flow gaps
- Post-decline business loan applicants
- Small-ticket commercial bridging
Where Reparo is the wrong fit
- Long-tenor term lending
- Rate-shopping borrowers
- Pure unsecured large-ticket
If declined by Reparo
If your application to Reparo is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Reparo
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through Reparo?
Reparo offers short-term business loan and bridging. Ticket range: £10k to £1m. Typical rate: 1% to 3% per month.
How long does Reparo take to decide?
24 to 72 hours
Who is Reparo the best fit for?
First on the list: Short-term cash-flow gaps. The full list is under Best fit applicants above.
When might another lender suit better than Reparo?
First on the list: Long-tenor term lending. The other cases are under Where Reparo is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: Reparo
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.