Tando Capital provides a range of tailored funding solutions to meet diverse business needs:

• Business Loans: Flexible funding to grow your business, manage expenses, or invest in new opportunities, with repayment options suited to your cash flow.
• Invoice Financing: Unlock cash tied up in unpaid invoices to maintain working capital without waiting for customers to pay.
• Merchant Cash Advance: Receive fast funding based on your future card sales, with repayments taken as a percentage of daily takings—ideal for businesses with variable revenue.
• Working Capital Solutions: Flexible financing designed to boost cash flow, helping you cover operational costs and seize new opportunities.
• Payroll Finance: Bridge short-term cash flow gaps so you can cover wages even when clients pay late.
• Property Finance: Funding for commercial, residential, or development projects, including purchases, refurbishments, and investments.

One of Tando Capital’s core priorities is speed. We offer:

• Quick Approvals: Our streamlined process delivers funding decisions fast—often within three working days for eligible applicants.
• Dedicated Advisor Support: As soon as you complete our short form, a specialist will be in touch within three working days to guide you through the next steps, ensuring minimal delays.

Tando Capital stands out by prioritising human expertise over automated bots:

• Real Conversations with Human Advisors: Every applicant speaks directly with an experienced finance specialist who understands the nuances of your business.
• Tailored Funding Solutions: Instead of one-size-fits-all templates, we build a funding package around your specific goals, challenges, and cash-flow needs.
• Transparent Process: From application to approval, we maintain clear communication—no hidden fees, no confusing fine print.

While criteria vary by product, Tando Capital generally considers:

• Business Credit Profile: A healthy or improving credit profile helps secure more favourable rates.
• Revenue and Cash Flow: We assess your historical revenue, outstanding invoices, and overall cash-flow stability to tailor the right solution.
• Business History: Typically, businesses in operation for at least six months with verifiable financials are preferred, though specific requirements depend on the financing product you choose.
• Collateral (for Property Finance): For loans tied to property purchases or developments, acceptable collateral and valuation will be required.
  Your dedicated advisor will walk you through the exact requirements for your chosen product and help prepare the necessary documentation.

Our application process is designed to be quick and transparent:

1. Consultation: Book a free call with one of our finance specialists to discuss your business needs, goals, and funding options.
2. Tailored Assessment: Your dedicated advisor reviews your financials, explores suitable products, and outlines the best options for your unique situation.
3. Personalised Offer: Once you choose your preferred solution, your advisor handles the details—keeping you informed and supported until funds are secured.
4. Funding: After approval, funds are disbursed according to your needs and agreed-upon timeline.

Tando Capital is committed to full transparency—there are no hidden fees:

• Competitive Rates: Interest rates and fees vary based on the product, your business’s risk profile, and market conditions.
• No Surprises: Your dedicated advisor will clearly outline all applicable fees (origination, servicing, or early repayment) before you sign any agreement.
• Repayment Flexibility: Many of our products offer flexible repayment schedules, such as daily automatic deductions for merchant cash advances or structured installments for business loans.
  If you have more specific questions about cost, simply get in touch via our short form or book a call, and we’ll provide a personalised breakdown.