Business loans for commodity traders funding large purchases, shipping and margin before buyers pay, with fast decisions and a dedicated account manager.
Commodity trading pairs large purchase commitments with prices that move and buyers who pay on terms, so substantial cash is committed before a deal returns it. Shipping times and currency add to the exposure, and a single parcel can absorb a great deal of working capital. The pressures usually include:
Commodity trading pairs large purchase commitments with prices that move and buyers who pay on terms, so substantial cash is committed before a deal returns it. Shipping times and currency add to the exposure, and a single parcel can absorb a great deal of working capital. The pressures usually include:
Tando works the human way, so a trader has one account manager who understands large purchase commitments and price exposure, and can act quickly, with decisions usually in three to five days. A patchy credit history does not close the door.
If a trader needed to secure a parcel of goods quickly but its cash was committed to other deals, a business loan could fund that purchase so the opportunity is not missed. For buying that rises and falls deal by deal, a revolving credit facility can give a flexible line to draw on and repay, 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. Committing to a parcel of goods before the buyer pays is a core reason commodity traders borrow. A business loan provides the lump sum to secure it, then you repay over a fixed term as the deal completes. Your account manager will size it around the trades and terms you work to.
It can. For overseas cargoes, trade finance can fund a specific purchase against the goods, and a letter of credit can give the supplier payment security before shipment. A business loan still covers general working capital. Your account manager will explain how each works so the funding fits how you buy and sell.
It can. A revolving credit facility lets you draw and repay as purchases rise and fall between deals, which suits trading patterns that change month to month. 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.
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 trade, 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 deal 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 deals and costs the funding supports and what the business can comfortably repay. It is built around your real trading rather than a headline figure.
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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.’
