Business loans for manufacturing companies funding raw materials, machinery and wages before trade customers pay, with fast decisions and a dedicated account manager.
Manufacturing ties up cash long before it comes back. Raw materials are bought in volume, machinery runs at a cost, stock and work in progress sit on the floor, and the workforce is paid, all before trade customers settle invoices 30 to 90 days after delivery. A business loan provides a lump sum of working capital to cover that gap, repaid over a fixed term, so production is not limited by what is in the bank. Tando arranges business loans through FCA regulated partners and judges the business on how it trades rather than the credit score.
As general capital, the funding can buy materials for a large order, cover a new machine or tooling, or fund the wages and overheads behind a busier production run. It is not tied to one invoice, so scaling output to meet demand becomes far easier to manage, and the facility grows as the business does.
Manufacturing front-loads spending on materials, machinery and labour, while trade customers pay weeks or months after goods leave the floor. A single large order can swallow months of working capital. The pressures usually include:
Tando is human-led, so a manufacturer works with one account manager who understands stock-heavy, slow-paying cash flow and can move quickly. Decisions usually arrive in three to five days, and a knocked credit history does not end the conversation.
If a manufacturer won a large contract but had to buy materials and run extra shifts before the first payment, a business loan could fund that production so the order is delivered on time. Where the bigger drag is trade customers paying slowly on completed 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. Buying materials and running production before a customer pays is a core reason manufacturers borrow. A business loan provides the lump sum to fulfil the order, then you repay over a fixed term as payments arrive. Your account manager will size it around the contracts and lead times you have on.
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 a healthy order book, 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 production 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 materials the funding supports and what the business can comfortably repay. Your account manager sizes it around real contracts rather than a generic limit.
It depends on the problem. A business loan is a lump sum for any purpose, useful for buying materials or machinery upfront. Invoice finance instead releases cash from unpaid invoices as you raise them. Many manufacturers use both. Your account manager will compare them so the funding matches how your money actually moves.
Yes. A business loan is general capital, so buying or upgrading machinery and tooling is well within scope, alongside materials and wages. As the funds are not tied to one purchase, you decide how to spread them. If the spend is purely on equipment, it is worth comparing asset finance too.
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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.’
