Business loans for automotive parts wholesalers funding stock, warehousing and staff before trade customers pay, with fast decisions and a dedicated account manager.
Motor factor work pairs thousands of fast-moving, often imported lines with trade customers who buy on account, so deep stock is funded long before the orders are paid. Same-day availability means holding breadth at all times. The pressures usually include:
Motor factor work pairs thousands of fast-moving, often imported lines with trade customers who buy on account, so deep stock is funded long before the orders are paid. Same-day availability means holding breadth at all times. The pressures usually include:
Tando is human-led, so a motor factor works with one account manager who understands deep, fast-moving stock and trade-account payment, and can move quickly. Decisions usually arrive in three to five days, and a knocked credit history does not end the conversation.
If a wholesaler wanted to deepen stock across more lines but cash was tied up in garage accounts, a business loan could fund that build so parts stay available same-day. For stock and working capital needs that rise and fall through the year, a revolving credit facility can sit alongside the loan, and your account manager will explain which fits.
Secured Business Loans use assets like property or equipment as collateral to unlock higher borrowing limits and lower interest rates, giving your company predictable repayment terms and the flexibility to invest in long-term growth.
Unsecured Business Loans require no collateral, offering a rapid application and approval process. Although interest rates may be higher, this option lets businesses with strong credit profiles access funds quickly for working capital or expansion.
Start-Up Business Loans, often government-backed, provide new ventures with £500–£25,000 at fixed, affordable rates. They include mentorship and support services, helping entrepreneurs build credit, purchase essential equipment, and launch their businesses confidently.
Yes. Deepening stock across more lines before garages pay is a core reason motor factors borrow. A business loan provides the lump sum to fund it, then you repay over a fixed term as sales come through. Your account manager will size it around the buying and payment terms you work to.
It can. For overseas buying, trade finance can fund specific purchase orders, and a letter of credit can give the supplier payment security before goods ship. A business loan still covers general working capital. Your account manager will explain how each works so the funding fits how you buy and get paid.
It can. A revolving credit facility lets you draw and repay as stock needs rise and fall across the range. A business loan, by contrast, is a fixed lump sum and term. Your account manager will compare both so the structure fits how your buying actually moves through the year.
Not by default. Tando funds firms that others avoid, including those with bad credit or past bounced payments. The decision rests on current trading and repayment ability, not the credit file alone. A clear explanation of any past issue, with steady recent sales, usually counts for more than the score when the case is reviewed.
Decisions usually come within three to five days, and simple cases can move within hours, with funds following soon after approval. The timing depends mainly on how fast you share accounts and statements. With a real account manager on the file, you can flag a buying deadline and get a realistic answer.
Facilities typically range from £75k to £500k, aimed at firms turning over around £200k or more, with no strict minimum. The right amount depends on the stock and accounts the funding supports and what the business can comfortably repay. It is built around your real trading rather than a headline number.
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Tando Capital provides a range of tailored funding solutions to meet diverse business needs:
One of Tando Capital’s core priorities is speed. We offer:
Tando Capital stands out by prioritising human expertise over automated bots:
While criteria vary by product, Tando Capital generally considers:
Our application process is designed to be quick and transparent:
Tando Capital is committed to full transparency—there are no hidden fees:
Tando Capital Limited (trading as Tando Capital), registered at Suite 74 Paycocke Road, Basildon, SS14 3HX . Tando Capital is not authorised by the Financial Conduct Authority and can only complete non-regulated introductions. We work with a Panel of Lenders whose particulars will be supplied upon request. ICO Number ZB748553- We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: percentage of the amount you borrow and rate for risk (this is based on the risk profile of the business). Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.’
