Business loans for freight forwarding companies funding carrier costs, duty and staff before clients pay, with fast decisions and a dedicated account manager.
Freight forwarders pay out heavily before they bill. Shipping lines, hauliers, port charges, customs duty and VAT often have to be settled before the client pays, sometimes well before the goods even arrive. A business loan provides a lump sum of working capital to cover that gap, repaid over a fixed term, so cash flow does not stall a shipment. Much of the spend is on overseas carriers and suppliers, where trade finance can fund specific shipments, and a letter of credit can give an overseas party payment security before goods move.
As general working capital, a business loan can cover duty and carrier costs across several jobs, fund staff and overheads, or bridge the gap until clients pay. It is not tied to one shipment, so handling more volume becomes easier to resource, and the facility grows as the business does.
Forwarding pairs large upfront payments to carriers and authorities with clients who pay on credit, so cash is out the door long before it returns. A single shipment can tie up a real amount of working capital. The pressures usually include:
Tando works the human way, so a forwarder has one account manager who understands carrier payments and duty settled long before clients pay, and can act quickly, with decisions usually in three to five days. A patchy credit history does not close the door.
If a forwarder had to pay carriers and clear duty on several shipments before clients paid, a business loan could carry that spend so jobs keep moving. Where the bigger drag is clients paying slowly on completed shipments, 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. Settling shipping, port and duty charges before a client pays is a core reason forwarders borrow. A business loan provides the lump sum to keep shipments moving, then you repay over a fixed term as payments arrive. Your account manager will size it around the jobs and payment terms you work to.
It can. For overseas shipments, trade finance can fund specific carrier and supplier payments, and a letter of credit can give an overseas party payment security before goods move. A business loan still covers general working capital. Your account manager will explain how each works so the funding fits how you pay and get paid.
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 and steady volume, usually carries real weight in the decision.
Decisions are usually back within three to five days, and uncomplicated cases can move within hours, with funds following soon after. The pace depends largely on how fast you share accounts and statements. With a real account manager on the case, you can flag a shipment deadline and get an honest read on timing.
Facilities generally sit between £75k and £500k, suited to firms turning over around £200k or more, with no fixed minimum. The right figure depends on the shipments and carrier costs the funding supports and what the business can repay. Your account manager sizes it around real jobs rather than a generic limit.
Yes. Many forwarders use both. Trade finance funds specific shipments and supplier payments, while a business loan covers general working capital such as staff, overheads and slower-paying jobs. They complement each other rather than competing. Your account manager will set out how each fits 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.
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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.’
