Business loans for courier and delivery companies funding vans, fuel and drivers before clients pay, with fast decisions and a dedicated account manager.
Courier and delivery firms run vans and pay drivers and fuel daily, while commercial clients and contracts pay weeks later on credit. Scaling for a new account or a busy period means more vehicles and people before any of it is paid for. A business loan provides a lump sum to fund that, repaid over a fixed term, so growth is not capped by cash flow. Where the real pressure is clients sitting on completed invoices, invoice finance can release that cash instead, and Tando will help you weigh a term loan against it.
As general working capital, the funding can cover fuel and driver wages, fund extra vans for a contract, or carry the business through a seasonal peak. It is not tied to one invoice, so taking on a bigger client becomes manageable, and the facility grows as the business does.
Courier work pairs daily running costs with clients who pay on credit, while peaks force spending to jump ahead of the income they bring. The squeeze can land before a single invoice is paid, and casual cover at peak only adds to the weekly bill. The pressures usually include:
Tando keeps funding personal, so a courier firm deals with one account manager who understands daily running costs and slow client payment, and can move quickly, with decisions usually in three to five days. A patchy credit record does not rule a firm out.
If a firm won a new delivery contract but had to put extra vans and drivers on the road before the first payment, a business loan could fund that ramp-up so the service runs from day one. 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. Putting vehicles and drivers on the road before a client pays is a core reason courier firms borrow. A business loan provides the lump sum to fund the ramp-up, then you repay over a fixed term as payments arrive. Your account manager will size it around the contracts and payment terms you work to.
Yes. Gearing up for a busy period often means extra vans, drivers and fuel before the sales come through, which a business loan can fund. As the funds are general capital, you decide how to spread them across the peak. Your account manager will size it to the volume you are planning for.
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 work, 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 a contract start 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 contracts and running costs the funding supports and what the business can comfortably repay. It is built around your real work rather than a headline number.
It depends on the issue. A business loan is a lump sum for any purpose, useful for vans, fuel and wages. Invoice finance instead releases cash from unpaid client invoices as you raise them. Many courier firms use both. Your account manager will compare them so the funding matches how your money moves.
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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.
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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.’
