Business loans for food and drink manufacturers funding ingredients, production and wages before retailers pay, with fast decisions and a dedicated account manager.
Food and drink manufacturers buy ingredients and packaging, often perishable and frequently imported, run production lines and pay staff, all before supermarkets and wholesalers settle on 30 to 90 day terms. A business loan provides a lump sum to fund that, repaid over a fixed term, so a big order or a new listing does not stall on cash flow. Where the real pressure is large retail customers 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 buy ingredients in bulk, cover a production run for a seasonal peak, fund new equipment, or bridge the wages behind extra shifts. It is not tied to one invoice, so meeting a supermarket order becomes far more manageable, and the facility grows as the business does.
Food and drink production pairs perishable, upfront materials with retail customers who pay slowly and demand volume. Seasonal peaks add another spike in spending, often months before the sales come through. The pressures usually include:
Tando keeps funding personal, so a food producer deals with one account manager who understands perishable stock and slow retail payment, and can move quickly, with decisions usually in three to five days. A credit record dented by a tough season does not rule a firm out.
If a producer won a major supermarket listing but had to buy ingredients and add shifts before the first payment, a business loan could fund that run so the order ships on time. Because production lines are labour-intensive, a heavy wage bill can also be eased 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. Buying ingredients and packaging before a retail customer pays is a core reason food producers borrow. A business loan provides the lump sum to fund the run and pay staff, then you repay over a fixed term as payments arrive. Your account manager will size it around the orders and listings you have on.
It is taken in context. Short shelf life and the need to produce close to demand are normal features of the trade, and a loan can fund the materials to meet a big order. Sharing how your stock and production cycle work helps the lending partner set a realistic term rather than judging on headline figures.
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 orders, 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 production 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 orders and ingredients the funding supports and what the business can comfortably repay. It is built around your real production rather than a headline number.
Yes. Building stock ahead of a seasonal peak is a sensible use of a business loan, since the lump sum can cover ingredients and extra shifts 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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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.’
