Business loans for building materials suppliers funding stock, yards and staff before trade customers pay, with fast decisions and a dedicated account manager.
Materials supply pairs heavy, high-value stock with trade customers who buy on account, so the yard is funded long before the orders are paid. Demand also swings with the building cycle through the year. The pressures usually include:
Materials supply pairs heavy, high-value stock with trade customers who buy on account, so the yard is funded long before the orders are paid. Demand also swings with the building cycle through the year. The pressures usually include:
Tando is human-led, so a materials supplier works with one account manager who understands heavy 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 supplier wanted to build stock ahead of the building season but cash was tied up in customer accounts, a business loan could fund that buy so the yard is ready for demand. Where the plan is to buy or expand the yard or premises themselves, property finance is usually the better route, and your account manager will explain how it differs from a working capital loan.
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. Building stock ahead of the busy season is a core reason materials suppliers borrow. A business loan provides the lump sum to fill the yard, then you repay over a fixed term as sales come through. Your account manager will size it around the buying and trade pattern you work to.
It depends on the spend. Buying or expanding the yard or premises itself usually suits property finance, secured on the site. A business loan is better for working capital such as stock, equipment and staff. Many suppliers use both. Your account manager will compare them so the right facility funds the right cost.
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.
Yes. A business loan is general capital, so covering forklifts, telehandlers and yard equipment is within scope, alongside stock and staff. As the funds are not tied to one purchase, you decide how to spread them. If the spend is purely on machinery or vehicles, it is worth comparing asset finance too.
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connecting businesses with real experts, not automated systems.
Contact UsInvoice financing lets you unlock cash tied up in unpaid invoices, giving your business faster access to working capital without waiting for customers to pay.
Access flexible funding to grow your business, manage expenses, or invest in new opportunities—with repayment options suited to your cash flow and goals.
Tailored financial solutions specifically for construction companies to manage projects, procure materials, and ensure steady progress through every development phase.
Get fast funding based on your future card sales, with repayments taken as a percentage of daily takings—ideal for businesses with fluctuating revenue.
Finance for property purchases, developments, or refurbishments—supporting commercial, residential, and investment projects with tailored lending options.
Ensure your team is paid on time, every time. Payroll finance bridges short-term cash flow gaps so you can cover wages even when clients pay late.
Empower your supply chain and secure global growth with flexible, human-led funding solutions.
Secure international trade with confidence. Work with new partners, and grow your business across borders without putting cash up front.
Draw funds when you need them, repay when you can, then draw again.
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.’
