Business loans for metal fabrication companies funding raw metal, machinery and labour before customers pay, with fast decisions and a dedicated account manager.
Yes. Metal fabrication ties up cash in raw material and skilled labour well before a customer pays. Steel, aluminium and components are often bought upfront, sometimes imported, then cut, formed and welded on costly machinery, with delivery weeks ahead of payment. A business loan provides a lump sum to fund that, repaid over a fixed term. Tando arranges business loans through FCA regulated partners and judges the business on how it trades. Where the pressure sits with buying metal from suppliers, trade finance can fund those purchase orders directly, sitting alongside a loan rather than replacing it.
As general capital, the funding can cover a large metal order, new fabrication equipment, or the labour to deliver a bigger contract, and the facility scales as the order book grows.
Fabrication front-loads cost in raw metal and skilled labour, with payment arriving long after the material is ordered and worked into finished parts. A single contract can absorb months of cash before the customer pays. The pressures usually include:
Tando is human-led, so a fabrication business deals with one account manager who understands material-heavy cash flow and can move quickly. Decisions usually arrive in three to five days, and a knocked credit history does not end the discussion.
If a firm won a large fabrication contract but had to buy the metal before the first payment, a business loan could fund that order so work starts on schedule. Where an overseas supplier wants payment security before shipping, a letter of credit can underpin the purchase, and your account manager will explain how it works beside a 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 for steel or aluminium before a contract pays out is one of the most common reasons fabrication firms borrow. A business loan provides the lump sum to place the order and cover the workshop, then you repay over a fixed term. If the issue is specifically supplier orders, trade finance may fund those directly, and your account manager will compare both.
It can. If you import raw metal, trade finance can fund those purchase orders, and a letter of credit can give the supplier payment security before shipping. A business loan still covers general working capital alongside this. Your account manager will explain how each works so the funding matches how you actually buy and get paid.
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 and a solid order book, usually carries real weight in the decision.
Decisions are usually back within three to five days, and uncomplicated cases can move within hours, with funds following soon after. The pace depends largely on how fast you share accounts and statements. With a real account manager on the case, you can flag a material order deadline and get an honest read on timing.
Facilities generally sit between £75k and £500k, suited to firms turning over around £200k or more, with no fixed minimum. The right figure depends on the material and contracts the funding supports and what the business can repay. Your account manager sizes it around real orders rather than a generic limit.
Yes. A business loan is general capital, so buying machinery such as a laser cutter, press brake or welding plant is well within scope. As the funds are not locked to one purchase, you can split them between equipment, metal and labour. If the spend is purely on machinery, it is worth asking about asset finance to compare.
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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.’
