Don’t invest unless you’re prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more.
Capital at risk
Capital at risk
Director guaranteed
You make
Minimum investment is £100
Total return
Monthly repayments

Experts in the commercial and industrial roofing industry, with over 25 years’ experience. The main bulk of their work is the military of defence and the local councils, they also do domestic houses and schools. Some of their services include roof installations, securing loose tiles and repairing guttering systems. They are also a specialist surfacing company that does all types of walkway areas for theme parks. Kevin is looking for funds for expansion.

Providing commercial and industrial roofing solution service that gives our clients peace of mind

At Everdry Roofing Services Ltd we specialise in commercial and industrial roofing solutions for business across Southampton, and we are committed to providing a comprehensive service. We begin with a site visit to discuss potential projects, this gives us an understanding of the scope of the job, we then carry out a survey, to allow us to more accurately estimate the cost involved, so there’s no surprises down the line.

With over 25 years of experience in the roofing trade, we are able to offer advice on the best solutions and products to suit our clients needs and budgets, allowing them to make well-informed decisions. Our prices are extremely competitive and we offer solutions that have lasting results. Our customer satisfaction is at the heart of what we do and we believe that this, alongside our expertise, has led to the success of the company.

All our new roof work comes with a 25-year guarantee for added peace of mind, and we're a CompetentRoofer contractor, so we can certify our own installations and repairs that are guaranteed to be in line with all current guidance and legislation. We are currently looking for funds as we move into a phase of expansion.

Credit commentary:
The director is providing a personal guarantee, this means that if the business fails, the director becomes personally liable for the loan. The director is not a homeowner, which is outside credit policy. The mitigant for this credit policy exception is that the company has a substantial EBIDTA and the business is well established. There have been no CCJs for the business or director. In the 2021 and 2022 accounts, there were dividends of £71,000 and £91,500. Profits for the 2022 financial year were £93,186, retained earnings at the start of the year were negative £362, hence retained earnings at the end of the year were £1,324. Profits for the 2021 financial year were £56,869, retained earnings at the start of the year were £13,769, hence retained earnings at the end of the year were negative £362. EBITDA is strong and reported at £117,369 based on Feb 22 filed accounts. The bank statements demonstrate reasonable affordability.

Covid Resilience:
Overall, the records reviewed revealed that the COVID-19 pandemic has significantly impacted commercial and residential developments, the housing market, and the construction industry. Everdry Roofing Services Ltd have moved through challenges, proving good resilience.


Business keeps the raised amount even if target is not met.
Loan - product type
Tranche (2 of 2)
£ 19k
£ 9k
Est close date
Funded 1 year ago in 35 days

Where will the funds go?

Working Capital

Key people

Kevin Steven Mccarthy

Business brand

Southampton, UK

"Providing commercial and industrial roofing solution service that gives our clients peace of mind"

10 years, 3 months
Credit risk indicator

Risk warning

Past performance and forecasts are not reliable indicators of future results. Your capital invested is not covered for compensation in the event of a loss by the FSCS. Tax treatment will depend on the individual circumstances and may be subject to change. Please see our Risk section before making an investment decision.