Business loans for carpentry and joinery firms funding timber, workshop costs and labour before payment, with fast decisions and a dedicated account manager.
Carpentry and joinery firms buy timber, sheet materials and ironmongery, often including imported hardwoods, and run a workshop and machinery, before bespoke work is delivered and invoiced. A business loan provides a lump sum to fund that, repaid over a fixed term, so a full order book is not limited by what is in the bank. Tando arranges business loans through FCA regulated partners and judges the business on how it trades rather than the credit score.
As general working capital, the funding can cover materials for several jobs, machinery and workshop costs, or the labour to take on larger commercial joinery and fit-out work. It is not tied to one invoice, so bespoke contracts with long lead times become easier to resource, and the facility grows as the firm does.
Joinery pairs material and workshop costs with skilled labour, while bespoke contracts carry long lead times well before any payment finally arrives. Imported hardwoods can often mean paying many months ahead of delivery. The pressures usually include:
Tando is human-led, so a joinery firm deals with one account manager who understands material and workshop cash flow and can move quickly, with decisions usually in three to five days. A knocked credit history does not end the conversation.
If a firm won a large bespoke joinery package but had to buy timber and run the workshop for weeks before delivery, a business loan could fund that build so it stays on programme. For firms importing hardwoods from overseas, trade finance can fund those supplier orders directly, and your account manager will explain how it differs from a term 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. Buying timber and running the workshop before bespoke work is delivered is a core reason joinery firms borrow. A business loan provides the lump sum to fund the build and pay joiners, then you repay over a fixed term. Your account manager will size it around the contracts and lead times you have on.
It can. If you buy hardwoods or sheet materials from overseas suppliers, trade finance can fund those purchase orders, while a business loan covers general working capital. The two often work together rather than competing. Your account manager will explain how each fits so the funding matches how you buy and get paid.
Not by default. Tando funds firms that others turn away, 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 work, usually counts for more than the score in the review.
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 quickly you provide accounts and statements. Because a person handles the file, you can flag a delivery deadline and get an honest read on timing.
Facilities generally run from £75k to £500k, suited to firms turning over around £200k or more, with no fixed minimum. The right figure depends on the materials and contracts the funding supports and what the business can comfortably repay. It is built around your real work rather than a generic limit.
Yes. A business loan is general capital, so buying a saw, planer, CNC router or other machinery is well within scope, alongside timber and labour. As the funds are not tied to one purchase, you decide how to spread them. If the spend is purely on machinery, it is worth comparing asset finance too.
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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.’
