Business loans for healthcare recruitment agencies funding weekly locum and carer pay before NHS and care clients settle, with fast decisions and a dedicated account manager.
Healthcare staffing pairs weekly worker pay with public and private clients who pay on extended terms, so wages are funded long before timesheets are settled. Strict compliance adds cost before anyone is placed, and the weekly pay run continues no matter how slowly a trust settles. The pressures usually include:
Healthcare staffing pairs weekly worker pay with public and private clients who pay on extended terms, so wages are funded long before timesheets are settled. Strict compliance adds cost before anyone is placed, and the weekly pay run continues no matter how slowly a trust settles. The pressures usually include:
Tando is human-led, so a healthcare agency works with one account manager who understands the weekly pay-and-bill gap and slow framework payment, and can move quickly. Decisions usually arrive in three to five days, and a knocked credit history does not end the conversation.
If an agency won a framework but had to pay weeks of locum and carer wages before the trust paid, a business loan could fund that gap so every shift is covered. Because wages fall due every week, payroll finance is built to cover that pay run while client payment catches up, 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. Funding weekly worker pay before NHS and care clients settle is a core reason healthcare agencies borrow. A business loan provides the lump sum to keep staff paid, then you repay over a fixed term as billing arrives. Your account manager will size it around the wage bill and client terms you work to.
Payroll finance is built around the wage run, advancing the cash to pay workers each week and settling as clients pay. A business loan is a lump sum for any purpose, useful for the wage gap, compliance or growth. Many agencies use both. Your account manager will explain how each fits how you pay and bill.
No. Extended framework and trust payment terms are a known feature of healthcare staffing, and funding is built around them rather than treating them as a problem. Sharing the mix of clients you serve and how you bill helps the lending partner set a realistic facility 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 billing, 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 framework start date 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 wage bill and contracts the funding supports and what the agency can comfortably repay. It is built around your real billing 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.’
