Business loans for last-mile delivery companies funding vans, drivers and fuel before clients pay, with fast decisions and a dedicated account manager.
Last-mile work pairs daily van and driver costs with clients who pay on credit, while seasonal peaks force spending to jump well ahead of the income. The gap is widest right when volume is highest, with extra vans and drivers all paid before the peak clears. The pressures usually include:
Last-mile work pairs daily van and driver costs with clients who pay on credit, while seasonal peaks force spending to jump well ahead of the income. The gap is widest right when volume is highest, with extra vans and drivers all paid before the peak clears. The pressures usually include:
Tando keeps funding personal, so a last-mile firm deals with one account manager who understands daily running costs and sharp seasonal peaks, and can move quickly, with decisions usually in three to five days. A patchy credit record does not rule a firm out.
If a firm won a retail contract but had to put extra vans and drivers on the road before the first payment, a business loan could fund that ramp-up so the service runs from day one. For costs that spike around seasonal peaks and then settle, a revolving credit facility can sit alongside the loan, and your account manager will explain which fits.
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. Putting vehicles and drivers on the road before a client pays is a core reason last-mile firms borrow. A business loan provides the lump sum to fund the ramp-up, then you repay over a fixed term as payments arrive. Your account manager will size it around the contracts and payment terms you work to.
Yes. Gearing up for a peak often means extra vans, drivers and fuel before the sales come through, which a business loan can fund. As the funds are general capital, you decide how to spread them across the busy period. Your account manager will size it to the volume you are planning for.
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 work, 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 contract 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 contracts and running costs the funding supports and what the business can comfortably repay. It is built around your real work rather than a headline number.
It can. With drivers as the biggest weekly cost, payroll finance is built to cover wages on time while client payments catch up. A business loan, by contrast, is a lump sum for any purpose. Many firms use both. Your account manager will compare them so the funding matches how your money moves.
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.’
