Business loans for furniture manufacturers funding timber, machinery and labour before customers pay, with fast decisions and a dedicated account manager.
Furniture manufacturers buy timber, board, foam and fittings, some imported, and run a workshop of machinery and skilled makers before retailers, contract clients or showroom customers pay. A business loan provides a lump sum to fund that, repaid over a fixed term, so a full order book is not limited by 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 working capital, the funding can buy materials for several orders, cover makers and finishers, fund new machinery, or bridge the gap between building furniture and being paid for it. It is not tied to one invoice, so taking on a larger contract becomes manageable, and the facility grows as the business does.
Furniture making pairs material and workshop costs with skilled labour, while contract and retail customers pay long after pieces are built. Bespoke work stretches lead times further, with deposits rarely covering the full cost. The pressures usually include:
Tando keeps funding personal, so a furniture maker has one account manager who understands material and workshop cash flow 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 a maker won a large contract order but had to buy timber and run the workshop for weeks before delivery, a business loan could fund that build so it stays on programme. For makers with a showroom taking steady card payments, a merchant cash advance can be another route, repaid as a share of takings, and your account manager will explain how it compares to a 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 timber and running the workshop before a customer pays is a core reason furniture makers borrow. A business loan provides the lump sum to fund the build and pay makers, then you repay over a fixed term. Your account manager will size it around the contracts and lead times you have on.
It can be. If a steady share of income comes through card terminals in a showroom, a merchant cash advance is repaid as a percentage of those takings, which some makers prefer. A business loan, by contrast, is a fixed lump sum and term. Your account manager will compare both so the structure fits your income.
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 delivery 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 materials and orders the funding supports and what the business can comfortably repay. It is built around your real production rather than a headline number.
Yes. A business loan is general capital, so buying a saw, CNC router or finishing equipment is well within scope, alongside timber and labour. As the funds are not tied to one purchase, you decide how to spread them. If the spend is purely on machinery, it is worth comparing asset finance too.
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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.’
