Business loans for fleet operators funding fuel, maintenance and compliance before customers pay, with fast decisions and a dedicated account manager.
Running a fleet means constant outgoings on fuel, maintenance, insurance and compliance, while the contracts that pay for it settle weeks later. Keeping vehicles on the road and legal comes first, long before customers pay. A business loan provides a lump sum of working capital to cover that gap, repaid over a fixed term, so the fleet keeps earning regardless of 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 cover fuel and servicing across the fleet, fund a deposit on extra vehicles, carry compliance and insurance costs, or bridge a slow-paying contract. It is not tied to one invoice, so growing the fleet becomes easier to resource, and the facility grows with it.
Fleet operation pairs heavy running costs with contracts that pay on credit, so fuel, upkeep and compliance are all funded before the income arrives. Costs keep coming even when vehicles sit idle, and a single contract can stretch cash for weeks. The pressures usually include:
Tando keeps funding personal, so a fleet operator deals with one account manager who understands heavy running costs and slow contract payment, 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 an operator won a new contract but had to cover fuel, maintenance and compliance before the first payment, a business loan could fund that ramp-up so the fleet runs from day one. Where the bigger drag is customers paying slowly on completed work, invoice finance can release the cash tied up in those invoices instead.
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. Keeping vehicles fuelled, serviced and legal before a customer pays is a core reason fleet operators borrow. A business loan provides the lump sum to keep the fleet running, then you repay over a fixed term as payments arrive. Your account manager will size it around the contracts and costs you carry.
It can cover a deposit or bridge the cost, though for buying vehicles outright asset or vehicle finance is often the better fit. A business loan is general capital, so it suits fuel, maintenance, compliance and getting a contract moving. Your account manager can compare the options so the right tool funds the right cost.
Not necessarily. Tando funds firms that other brokers decline, including those with bad credit or bounced payments. The lending partners weigh current trading and repayment ability over the credit file. A short, honest explanation of any past difficulty, backed by recent figures, usually carries real weight in the decision.
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 case, you can flag a deadline and get an honest answer.
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 contracts and running costs the funding supports and what the business can comfortably repay. It is built around your real operation rather than a generic limit.
It depends on the issue. A business loan is a lump sum for any purpose, useful for fuel, maintenance and compliance. Invoice finance instead releases cash from unpaid contract invoices as you raise them. Many operators 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.
Access flexible funding to grow your business, manage expenses, or invest in new opportunities—with repayment options suited to your cash flow and goals.
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.’
