Business loans for food and drink wholesalers funding stock, chilled storage and staff before customers pay, with fast decisions and a dedicated account manager.
Food and drink wholesale pairs perishable, often imported stock with trade customers who buy on account, so cold storage and inventory are funded long before the orders are paid. Short shelf life adds pressure to buy and sell quickly. The pressures usually include:
Food and drink wholesale pairs perishable, often imported stock with trade customers who buy on account, so cold storage and inventory are funded long before the orders are paid. Short shelf life adds pressure to buy and sell quickly. The pressures usually include:
Tando is human-led, so a food and drink wholesaler works with one account manager who understands perishable stock and trade-account payment, and can move quickly. Decisions usually arrive in three to five days, and a knocked credit history does not end the conversation.
If a wholesaler won a large catering account but had to buy and store stock before the first payment, a business loan could fund that buy so the order is met in full. Because picking, packing and delivery are labour-heavy, a rising weekly wage bill can also be smoothed 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 and storing stock before trade customers pay is a core reason food and drink wholesalers borrow. A business loan provides the lump sum to fund that, then you repay over a fixed term as sales come through. Your account manager will size it around the buying and payment terms you work to.
It can. For overseas buying, trade finance can fund specific purchase orders, while a business loan covers general working capital such as storage, energy and wages. The two often work together rather than competing. Your account manager will explain how each fits so the funding matches how you buy and get paid.
It is taken in context. Short shelf life and the need to rotate stock quickly are normal features of the trade, and a loan can fund the inventory to meet a big account. Sharing how your stock and storage work helps the lending partner set a realistic term rather than judging on headline figures alone.
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. 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 accounts the funding supports and what the business can comfortably repay. It is built around your real trading rather than a headline number.
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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.’
