Business loans for bricklaying firms funding gangs, bricks and materials before valuations land, with fast decisions and a dedicated account manager who knows the trade.
Bricklaying is paid largely on output, so gangs are paid weekly, often by the thousand, while bricks, blocks and mortar are bought before the work and site payments arrive against monthly valuations. A business loan provides a lump sum to bridge that, repaid over a fixed term, so a busy run of plots does not drain the bank. Tando arranges business loans through FCA regulated partners and looks at how the firm trades rather than the credit score.
As general working capital, the funding can cover materials and labour across several sites, transport and welfare, or hiring more gangs to take on extra plots. It is not pinned to a single valuation, so taking on a larger housing contract becomes manageable, and the facility scales as the order book grows.
Bricklaying pairs weekly output-based pay with materials bought upfront, while site payments arrive well behind the work on the ground. A spell of bad weather can stop progress without easing wages. The strain usually comes from:
Tando keeps it human, so a bricklaying firm deals with one account manager who understands output-led cash flow and can act fast, with decisions usually in three to five days. A credit history that has taken a knock does not end the conversation.
If a firm took on a large housing site but needed to pay gangs and order bricks before the first valuation, a business loan could cover that opening run so the plots progress. For work funded as each stage is certified, construction finance can sit alongside the loan, and your account manager will say which fits the contract.
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. Paying gangs and buying bricks before a valuation lands is a core reason bricklaying firms borrow. A business loan provides the lump sum to keep the plots moving, then you repay over a fixed term as payments arrive. Your account manager will size it around the sites and gangs you have on.
It is understood rather than penalised. Bad weather stopping work while wages continue is a known feature of the trade, and a loan can cushion those gaps. Sharing how seasonal stoppages affect your cash flow helps the lending partner set a sensible term, rather than judging the business on a single difficult month.
Not on its own. Tando funds firms that others turn away, including those with bad credit or past bounced payments. The decision rests on current trading and whether repayments are realistic, not the credit file alone. A clear explanation of any past issue, with steady recent work, usually counts for more than the score.
Usually within three to five days, and sometimes within hours for simpler cases, with funds following soon after approval. The timing depends mainly on how quickly you provide accounts and bank statements. Because a person handles the file, you can flag a site start and get a straight answer on whether it works.
Facilities usually run from £75k to £500k, aimed at firms turning over around £200k or more, with no strict minimum. The right amount depends on the work the funding supports and what the business can comfortably repay. It is built around your real plots and cash flow rather than a headline figure.
Yes. Adding gangs to take on more plots is a sensible use of a business loan, since the lump sum can cover wages and materials while the new work pays out. As the funds are general capital, you decide how to spread them. Your account manager will help size it to the extra workload.
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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.’
