Business loans shaped around groundworks cash flow, with fast decisions and a dedicated account manager who knows plant, muck-away and labour are paid first.
Groundworks sits at the front of every build, which means you carry the cost of excavation, muck-away, plant hire and labour before the main contractor pays a penny. A business loan turns that gap into a lump sum of working capital, repaid in fixed instalments over an agreed term, so you can take on a site without draining the bank to do it.
That flexibility matters when programmes slip or a main contractor pays late. The capital can fund a deposit on a bigger contract, the first weeks of wages, or a machine that lets you bid for more. For stage-based site funding that releases as work is signed off, construction finance can run alongside the loan, and Tando weighs how the business trades rather than fixating on a credit score.
Groundworks cash flow gets pinched at the very start of every job, when outgoings are at their highest and income is still weeks or months away. Because the trade leads every build, that squeeze always hits before any money returns. The usual culprits are:
Tando keeps it human. A groundworks contractor speaks to a dedicated account manager who understands that the money goes out before it comes in, and decisions land in three to five days rather than weeks.
If a contractor was offered a large site but could not cover plant hire and the first month of wages, a business loan could put that money in place so the job starts on schedule. Where the real problem is main contractors paying slowly, invoice finance can free up cash held in applications for payment instead, and your account manager will say which is the better fit.
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. Funding the run-up to a job is one of the most common reasons groundworks contractors borrow. A business loan provides the lump sum to cover plant, materials and early wages before the first valuation, so a confirmed contract does not stall on cash flow. Your account manager will look at the work in hand to size it sensibly.
Not on its own. Tando regularly funds firms that high-street lenders and other brokers reject, including those with bad credit or bounced payments. The decision rests on how the business is trading today and whether repayments are realistic. Being upfront about what went wrong, and showing steady recent work, usually counts for more than the credit file alone.
Decisions usually come within three to five days, and uncomplicated cases can move within hours. Once approved, drawdown is quick, often a matter of days. Speed mostly depends on how fast you supply accounts and bank statements. Because a person handles the file, you can chase progress directly instead of waiting on an automated queue.
You can. A business loan is general-purpose capital, so buying or hiring a digger, dumper or other plant is well within scope. As the funds are not locked to one asset, you can split them across machinery, materials and wages as the site demands. If the spend is entirely on kit, it is worth asking about asset finance to compare.
Not always. Smaller facilities are often unsecured and rest on the strength of the business, while larger ones may be secured against assets such as plant or property. Offering security can improve the rate and the amount available. Tando works with partners across both, so the structure is matched to your circumstances rather than fixed in advance.
Talk to your account manager early. Programmes slip in groundworks, and because you deal with a real person rather than a system, there is room to discuss the timeline. The fixed term is set with that reality in mind. Keeping the lender informed is far better than going quiet, and it protects the relationship for future funding.
Real Businesses, real support,
real results
connecting businesses with real experts, not automated systems.
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.’
