Business loans for fit-out and refurbishment firms covering labour, materials and several trades at once, with fast decisions and a dedicated account manager.
Yes. A fit-out or refurbishment company carries the cost of partitions, ceilings, joinery, flooring and the various trades on site well before the client releases a phased payment. A business loan gives you a lump sum of working capital to fund that, repaid over a fixed term, so a tight programme is not held up waiting on the next valuation. Tando arranges business loans with FCA regulated partners and weighs how the firm trades rather than fixing on a credit score.
Because the funding is general capital, it can cover materials and subcontractors across an office, retail or hospitality project, or fund the deposit and early works on a new contract. It is not tied to one invoice, so running several refurbishments at once becomes far more manageable, and the facility can grow as you take on larger schemes.
Fit-out work concentrates cost early and across many trades at once, while clients pay in phases that rarely match the spend on the ground. A slip in one trade can hold up the next, so the cash has to be there throughout. The pressure usually comes from:
Tando is human-led, so a fit-out company works with one account manager who understands multi-trade cash flow and can move at the pace of a live project. Decisions usually come in three to five days, and a knocked credit history does not end the conversation.
If a firm won a large office refurbishment but needed to pay subcontractors and order materials before the first phase was certified, a business loan could cover that opening run. Because labour is such a large share of a fit-out, a heavy wage bill can be eased with payroll finance alongside the loan, and your account manager will explain how the two fit.
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. A business loan is general working capital, so it can pay subcontractors, materials and labour across all the trades on a fit-out at once. You direct the funds where the programme needs them, then repay over a fixed term. That suits refurbishment work, where many costs land together long before the client pays in phases.
Not on their own. Tando funds firms that other brokers turn away, including those with bad credit or bounced payments. The lending partners look at current trading and whether repayments are realistic. A brief, honest explanation of any past issue, backed by recent figures and a healthy order book, usually counts for more than the credit file.
Decisions usually come within three to five days, and simpler cases can move within hours, with funds following soon after. The pace depends mainly on how quickly you supply accounts and bank statements. With a real account manager on the file, you can flag a fixed project start and get an honest read on the timing.
Facilities generally run from £75k to £500k, suited to firms turning over around £200k or more, with no fixed minimum. The right figure depends on the projects the funding supports and what the business can comfortably repay. Your account manager sizes it around real contracts rather than a generic limit that may not fit.
Not quite. A business loan is a lump sum repaid over a fixed term and used as you see fit, while project finance is structured around a specific scheme and its stage payments. Both can suit fit-out work in different ways. Your account manager will compare them so the funding matches how your contracts actually pay out.
Yes. Tando builds long-term relationships, so as a fit-out firm wins larger refurbishments the facility can be revisited with the same account manager. There is no need to move lenders each time. Keeping them updated on your pipeline makes it quicker to arrange more funding when a bigger project is confirmed.
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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.’
