Business loans that fit how construction firms get paid, with fast decisions and a dedicated account manager who understands stage payments and held-back retentions.
Yes. A construction business often spends heavily on materials, plant and wages long before a client signs off a valuation, and a business loan gives you a lump sum to cover that gap rather than waiting on the next payment. The money lands as working capital you control, repaid over a fixed term with set monthly payments, so you can price and plan a job knowing the cash is already in place.
For main contractors and developers running several sites at once, that certainty matters. A loan can fund a deposit on a new contract, a piece of kit that lets you take on bigger work, or simply the wage bill while retentions sit unpaid. Tando arranges business loans with FCA regulated lending partners and looks at the strength of the business, not just a credit score, which helps firms that have had a rocky spell still get funded.
Construction cash flow is squeezed from several directions at once, and most of it comes down to paying out before any money comes in, often across more than one live site at the same time. The common pressure points include:
Tando is a human-led brokerage, so a construction business deals with a named account manager from the first call rather than an online form or a chatbot. Decisions usually come back within three to five days, and sometimes within hours, which matters when a contract start date is fixed.
If your firm had a six-figure contract waiting on mobilisation costs, a business loan could put the wages and first material orders in place so the job starts on time. For stage-funded project work, construction finance can sit alongside a loan, and the team will point you to whichever 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.
Most decisions come back within three to five days, and simpler cases can be same day. Speed depends on how quickly you can share recent accounts, bank statements and details of the work the funding supports. Because a real person reviews the file rather than an automated system, you can talk through timing directly and get a realistic answer on when funds could land.
Often yes. Tando takes on firms that other brokers turn away, including businesses with bad credit or a history of bounced payments. The lending partners look at how the business trades now, not only what a credit file shows. A clear explanation of what caused the problem, and evidence the firm is trading steadily, goes a long way toward a yes.
Facilities typically run between £75k and £500k, aimed at firms turning over around £200k or more, though there is no fixed minimum business size. The right figure depends on what the money is for, your turnover and how comfortably the business can meet repayments. Your account manager will work back from the job or asset you are funding rather than pushing a number that does not fit.
It can be either. Some loans are unsecured and rely on the strength of the business, while larger facilities may be secured against assets such as plant or property. Security often improves the rate and the amount available. Tando works with FCA regulated partners across both, so the structure is matched to your situation rather than forced into one shape.
A business loan is flexible capital, so it can cover materials, plant and equipment, wages between valuations, a deposit on a new contract, or hiring to take on bigger work. Unlike funding tied to a single invoice or card takings, the lump sum is yours to direct. It helps to be clear on the purpose up front, as it shapes the term and amount.
Once approved, funds are usually released quickly, often within days, and you repay in fixed monthly instalments over the agreed term. Your account manager stays your point of contact, so if the business grows or needs change, you can revisit the facility rather than starting again elsewhere. There are no automated systems between you and the person handling your account.
Real Businesses, real support,
real results
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.’
