Business loans for convenience store chains funding stock, refits and new sites across the estate, with fast decisions and a dedicated account manager.
Running several sites multiplies stock, premises and staff costs, all funded before takings come in at the till. Opening or refitting a branch adds a large one-off cost on top of the day-to-day. Chillers and equipment run around the clock, drawing power and needing upkeep. The pressures usually include:
Running several sites multiplies stock, premises and staff costs, all funded before takings come in at the till. Opening or refitting a branch adds a large one-off cost on top of the day-to-day. Chillers and equipment run around the clock, drawing power and needing upkeep. The pressures usually include:
Tando is human-led, so a store chain works with one account manager who understands multi-site stock and premises costs, and can move quickly. Decisions usually arrive in three to five days, and a knocked credit history does not end the conversation.
If a chain wanted to open a new branch and stock it but cash was tied up across the existing sites, a business loan could fund that opening so the branch trades from day one. Where the plan is to buy the premises rather than rent, 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. Fitting out and stocking a new branch before it trades is a core reason store chains borrow. A business loan provides the lump sum to open, then you repay over a fixed term as the site trades. Your account manager will size it around the branch and the estate you run.
It depends on the spend. Buying a store premises usually suits property finance, secured on the building. A business loan is better for working capital such as stock, refits, chillers and staff. Many chains 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 takings, 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 an opening date 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 estate and costs 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 funding chillers, shelving and store equipment sits within scope, alongside stock and refits. As the funds are not tied to one purchase, you decide how to spread them. If the spend is purely on equipment, it is worth comparing asset finance too.
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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.’
