Business loans for cross-border e-commerce businesses funding stock, shipping and ad spend before payouts land, with fast decisions and a dedicated account manager.
Online selling across borders front-loads spending on stock, shipping and advertising, while marketplaces and card processors release funds on a delay. Peaks force that spending up well ahead of the income, and cash can sit locked in pending payouts. The pressures usually include:
Online selling across borders front-loads spending on stock, shipping and advertising, while marketplaces and card processors release funds on a delay. Peaks force that spending up well ahead of the income, and cash can sit locked in pending payouts. The pressures usually include:
Tando keeps it human, so an online seller works with one account manager who understands stock-heavy buying and delayed marketplace payouts, and can move quickly, with decisions usually in three to five days. A credit record that has slipped does not rule a firm out.
If a seller wanted to buy stock and fund ads before a peak but cash was tied up in pending payouts, a business loan could fund that build so the busy season is not missed. Because takings come through card and marketplace sales, a merchant cash advance can be another route, repaid as a share of those takings, and your account manager will explain how it compares to a 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. Buying stock and funding advertising ahead of a busy season is a core reason online sellers borrow. A business loan provides the lump sum to gear up, then you repay over a fixed term as sales come through. Your account manager will size it around the stock and peak you are planning for.
It can. If a steady share of income comes through card and marketplace sales, a merchant cash advance is repaid as a percentage of those takings, which can suit delayed payouts. A business loan, by contrast, is a fixed lump sum and term. Your account manager will compare both so the structure fits your income.
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 sales, 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, including marketplace data. With a real account manager on the file, you can flag a buying deadline 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 stock and sales 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 buying imported stock, paying duty and covering shipping all sit within scope, alongside advertising. As the funds are not tied to one order, you decide how to spread them. For funding specific overseas purchase orders against the goods, it is worth comparing trade finance too.
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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.’
