Business loans for kitchen and bathroom fitters funding units, appliances and fitting before customers settle, with fast decisions and a dedicated account manager.
Kitchen and bathroom fitters order units, worktops, appliances and fittings, often imported and sometimes bespoke, before an installation is finished and the customer settles in full. A business loan provides a lump sum to fund that, repaid over a fixed term, so deposits and supplier orders do not tie up all your cash. For firms with a showroom taking steady card payments, a merchant cash advance can be an alternative route, repaid as a share of takings rather than a fixed instalment.
As general working capital, a business loan can stock materials for several jobs, cover fitters and showroom staff, or fund a showroom refit or van. It is not tied to one invoice, so a busy run of installations becomes easier to resource, and the facility grows as the business does.
Fitting work pairs costly units and appliances with skilled labour, while customer deposits rarely cover the full upfront spend on suppliers. Bespoke and imported items often need paying long before fitting. The pressures usually include:
Tando keeps funding personal, so a fitting firm has one account manager who understands deposit-led, supplier-heavy 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 firm took a run of kitchen installations but had to pay suppliers before customers settled in full, a business loan could fund those orders so the jobs proceed. For firms importing units from overseas, trade finance can fund the supplier orders directly, and your account manager will explain how it differs from a term 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. Paying suppliers for units and appliances before a customer settles in full is a core reason fitting firms borrow. A business loan provides the lump sum to place those orders and pay fitters, then you repay over a fixed term. Your account manager will size it around the installations you have booked in.
It can. If a steady share of income comes through card terminals, a merchant cash advance is repaid as a percentage of those takings, which some showrooms prefer over fixed instalments. A business loan, by contrast, is a set lump sum and term. Your account manager will compare both so the structure fits your income.
It can. If you buy units from overseas suppliers, trade finance can fund those purchase orders, while a business loan covers general working capital. The two often work together. Your account manager will explain how each fits so the funding matches how you buy and get paid by customers.
Not necessarily. Tando funds firms that other brokers decline, including those with bad credit or bounced payments. The lending partners weigh current trading and repayment ability over the credit file. A short, honest explanation of any past difficulty, backed by recent figures, usually carries real weight in the decision.
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 any urgency 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 orders and work the funding supports and what the business can comfortably repay. It is built around your real jobs rather than a headline number.
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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.’
