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 routing verdict
- Product: Short-term business loan and bridging.
- Ticket band: £10k to £1m.
- Decision time: 24 to 72 hours.
- Pricing: 1% to 3% per month.
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
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-05-08
Why we route here
- 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.
- Strong Trustpilot footprint for the short-term lending category.
When we route elsewhere
- 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, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Reparo decline runbook for sector-specific routing detail.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + 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.
Run the matcher
Tell us your turnover, sector and ticket size. We score against Reparo and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-05-08. By Oliver Mackman.