Business loans for import and export businesses funding supplier payments, duty and shipping before customers pay, with fast decisions and a dedicated account manager.
Importing and exporting front-loads spending on suppliers, duty and freight, while customers buy on credit, so cash leaves the business well before it returns. Currency movements can shift the cost of a deal between order and delivery. The pressures usually include:
Importing and exporting front-loads spending on suppliers, duty and freight, while customers buy on credit, so cash leaves the business well before it returns. Currency movements can shift the cost of a deal between order and delivery. The pressures usually include:
Tando is human-led, so an importer or exporter works with one account manager who understands supplier payments and duty falling due long before customers pay, and can move quickly. Decisions usually arrive in three to five days, and a knocked credit history does not end the conversation.
If a business had to pay suppliers and clear duty on several orders before customers paid, a business loan could carry that spend so the goods keep moving. Where the bigger drag is customers paying slowly on delivered orders, 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. Paying overseas suppliers and clearing duty before a customer pays is a core reason import and export businesses borrow. A business loan provides the lump sum to keep goods moving, then you repay over a fixed term as payments arrive. Your account manager will size it around the orders and payment terms you work to.
Trade finance funds specific orders, often secured against the goods being bought, and unwinds as those goods sell. A business loan is a lump sum for any purpose, useful for duty, shipping, stock or overheads. Many businesses use both. Your account manager will explain how each fits so the funding matches how you buy and get paid.
Not on their own. Tando funds firms that other brokers turn away, including those with bad credit or bounced payments. The lending partners look at current trading and whether repayments are realistic. A brief, honest explanation of any past issue, backed by recent figures and steady orders, usually counts for more than the credit file.
Decisions usually come within three to five days, and simpler cases can move within hours, with funds following soon after. The pace depends mainly on how quickly you supply accounts and bank statements. With a real account manager on the file, you can flag a shipment deadline and get an honest read on the timing.
Facilities generally run from £75k to £500k, suited to firms turning over around £200k or more, with no fixed minimum. The right figure depends on the orders and costs the funding supports and what the business can comfortably repay. Your account manager sizes it around real trade rather than a generic limit.
It is taken in context. Currency movements between order and delivery are a normal feature of cross-border trade, and a loan can give a buffer to absorb a shift in cost. Sharing how and where you buy and sell helps the lending partner set a realistic term rather than judging on headline figures alone.
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.’
