Business loans for high street retailers funding stock, refits and quieter periods on the premises, with fast decisions and a dedicated account manager.
High street retail pairs heavy fixed premises costs with takings that rise and fall with footfall, so the shop is funded well before the sales arrive. Buying stock ahead of a season adds to it. A refit competes with day-to-day cash, yet a tired shop loses ground on a busy parade. The pressures usually include:
High street retail pairs heavy fixed premises costs with takings that rise and fall with footfall, so the shop is funded well before the sales arrive. Buying stock ahead of a season adds to it. A refit competes with day-to-day cash, yet a tired shop loses ground on a busy parade. The pressures usually include:
Tando keeps it human, so a high street retailer works with one account manager who understands footfall, fixed premises costs and seasonal trade, 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 retailer wanted to refit the shop and buy stock ahead of a busy season but cash was tied up in current stock and rent, a business loan could fund that so the shop is ready. Where the plan is to buy the premises rather than rent, property finance is usually the better route, and your account manager will explain how it differs from a working capital 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. Refitting the shop and buying stock ahead of a season is a core reason high street retailers borrow. A business loan provides the lump sum to do both, then you repay over a fixed term as trade comes through. Your account manager will size it around the shop and trading pattern you work to.
It depends on the spend. Buying the shop premises usually suits property finance, secured on the building. A business loan is better for working capital such as stock, refits and staff. Many retailers use both. Your account manager will compare them so the right facility funds the right cost.
A merchant cash advance is repaid as a percentage of your card takings, so repayments flex with how busy the shop is. A business loan is a fixed lump sum repaid over a set term. Many retailers consider both. Your account manager will compare them so the structure fits how your sales come in.
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 takings, 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 refit or 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 shop and costs the funding supports and what the business can comfortably repay. It is built around your real trading rather than a headline number.
Real Businesses, real support,
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connecting businesses with real experts, not automated systems.
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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.’
