Business loans for online retailers funding imported stock, advertising and seasonal peaks before sales come through, with fast decisions and a dedicated account manager.
Online retail pairs imported stock and advertising with sales that build over time, so cash is committed long before it returns. Buying at volume to hold price means ordering well ahead. Demand can swing hard with the season, so stock has to be in place before the rush. The pressures usually include:
Online retail pairs imported stock and advertising with sales that build over time, so cash is committed long before it returns. Buying at volume to hold price means ordering well ahead. Demand can swing hard with the season, so stock has to be in place before the rush. The pressures usually include:
Tando works the human way, so an online retailer has one account manager who understands imported stock and seasonal demand, and can act quickly, with decisions usually in three to five days. A patchy credit history does not close the door.
If a retailer wanted to buy stock in volume at a better price before a peak but cash was tied up in current inventory, a business loan could fund that buy so the range stays available. For stock buying that rises and falls through the year, a revolving credit facility can give a flexible line to draw on and repay, 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. Buying stock in volume before the orders come through is a core reason online retailers borrow. A business loan provides the lump sum to secure the stock, then you repay over a fixed term as sales arrive. Your account manager will size it around the buying and seasonal pattern you work to.
It can. For overseas buying, trade finance can fund specific purchase orders against the goods, while a business loan covers general working capital such as advertising and fulfilment. The two often work together. Your account manager will explain how each fits how you buy and sell, and where the two work best together.
It can. A revolving credit facility lets you draw and repay as stock buying rises and falls through the year, which suits seasonal demand. A business loan, by contrast, is a fixed lump sum and term. Your account manager will compare both so the structure fits how your buying actually moves.
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 sales, 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 buying deadline 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 stock and sales the funding supports and what the business can comfortably repay. It is built around your real trading 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.’
