Business loans for cold chain and refrigerated transport firms funding refrigeration, fuel and staff before customers pay, with fast decisions and a dedicated account manager.
Cold chain work pairs high energy and equipment costs with customers who pay on credit, so running the fridges and meeting strict compliance comes long before the income. A breakdown can force unplanned spend at any time. The pressures usually include:
Cold chain work pairs high energy and equipment costs with customers who pay on credit, so running the fridges and meeting strict compliance comes long before the income. A breakdown can force unplanned spend at any time. The pressures usually include:
Tando is human-led, so a refrigerated operator works with one account manager who understands high energy costs and strict compliance, and can move quickly. Decisions usually arrive in three to five days, and a knocked credit history does not end the conversation.
If an operator won a refrigerated contract but had to cover fuel, energy and a unit service before the first payment, a business loan could fund that ramp-up so deliveries run on time and in spec. Because the work is so driver-heavy, a rising weekly wage bill can also be smoothed with payroll finance alongside the 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. Running refrigeration, fuel and compliance before a customer pays is a core reason cold chain operators borrow. A business loan provides the lump sum to keep the fleet running, then you repay over a fixed term as payments arrive. Your account manager will size it around the contracts and costs you carry.
It can. A revolving credit facility lets you draw and repay as fuel, energy and running costs rise and fall, which suits variable demand. A business loan, by contrast, is a fixed lump sum and term. Your account manager will compare both so the structure fits how your costs actually move through the year.
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.
Decisions usually come within three to five days, and simple cases can move within hours, with funds following soon after approval. The main factor is how quickly you supply accounts and bank statements. With a real account manager on the case, you can flag a deadline and get an honest view on timing.
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 contracts and running costs the funding supports and what the business can comfortably repay. It is built around your real operation rather than a headline figure.
It can cover a deposit or bridge the cost, though for buying a reefer vehicle outright asset or vehicle finance is often the better fit. A business loan is general capital, so it suits fuel, energy, maintenance and contract ramp-ups. Your account manager can compare the options so the right tool funds the right cost.
Real Businesses, real support,
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connecting businesses with real experts, not automated systems.
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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.’
