Business loans for distribution companies funding stock, fleet and staff before customers pay, with fast decisions and a dedicated account manager.
Distribution ties up cash in stock, a delivery fleet and warehousing well before customers pay on credit. Holding the right inventory to fulfil orders, running vehicles and paying staff all come first, while retail and trade customers settle 30 to 90 days later. A business loan provides a lump sum of working capital to cover that gap, repaid over a fixed term, so order fulfilment is not limited by what is in the bank. Tando arranges business loans through FCA regulated partners and judges the business on how it trades rather than the credit score.
As general capital, the funding can buy stock ahead of demand, cover fuel, wages and warehousing, or bridge a slow-paying customer. It is not tied to one invoice, so scaling to meet a larger account becomes easier to resource, and the facility grows as the business does.
Distribution pairs stock and fleet costs with customers who pay on credit, so inventory and delivery are funded long before the orders are paid. Demand can swing sharply with the season, forcing stock to be built well ahead of the sales. The pressures usually include:
Tando is human-led, so a distributor works with one account manager who understands stock-heavy, slow-paying cash flow and can move quickly. Decisions usually arrive in three to five days, and a knocked credit history does not end the conversation.
If a distributor won a large account but had to buy stock and add fleet before the first payment, a business loan could fund that build so orders ship on time. For stock and working capital needs that rise and fall through the year, a revolving credit facility can sit alongside the loan, 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. Buying stock and running deliveries before a customer pays is a core reason distributors borrow. A business loan provides the lump sum to fulfil orders, then you repay over a fixed term as payments arrive. Your account manager will size it around the accounts and stock cycle you work to.
It can. A revolving credit facility lets you draw and repay as stock and working capital needs rise and fall, which suits seasonal demand. 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 through the year.
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 orders, 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 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 stock and accounts the funding supports and what the business can comfortably repay. It is built around your real operation rather than a headline figure.
Yes. Building stock ahead of a busy season is a sensible use of a business loan, since the lump sum can cover inventory and fleet while the sales come through later. As the funds are general capital, you control how they are spread. Your account manager will size it to the peak you are planning for.
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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.’
