Business loans for painting and decorating firms that cover wages, paint and access gear before clients pay, with fast decisions and a dedicated account manager.
Painting and decorating is labour-led, so wages are the biggest cost and they fall due weekly while commercial clients often pay 30 to 60 days later. A business loan provides a lump sum to bridge that, repaid over a fixed term, so the crew gets paid and the next job starts without waiting on the last one to settle. It works as general working capital across domestic and commercial contracts alike.
The funding can cover paint and materials, access equipment, vehicles, or hiring extra decorators to take on a larger contract. Where the real issue is slow-paying commercial clients sitting on completed work, invoice finance can release the cash tied up in those invoices instead, and Tando will help you weigh a term loan against it. The facility can scale as the business grows.
Decorating work is steady on labour but heavily exposed to slow payment, especially on commercial jobs run through main contractors. Margins leave little slack when payment drags. The recurring pressures tend to be:
Tando keeps funding personal, so a decorating contractor deals with one account manager who understands a wage-led business and can move quickly, with decisions usually in three to five days. A credit record marked by a slow winter or a bad debt does not rule a firm out.
If a firm picked up a large commercial decorating contract but needed to pay the crew for weeks before the first payment, a business loan could cover those wages so the work proceeds. With labour as the main cost, a heavy weekly wage run can also be eased through payroll finance sitting alongside 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. Bridging weekly wages while a client pays monthly is one of the most common reasons decorating firms borrow. A business loan provides the lump sum to keep the crew paid and the next job moving, then you repay over a fixed term. Your account manager will size it around your contracts and payroll cycle.
Often, yes. Tando regularly funds contractors that other lenders decline, including those with bad credit or bounced payments behind them. The decision rests on current trading and the ability to repay rather than the credit file alone. A clear account of what went wrong, with recent figures, usually makes the difference in the review.
Usually within three to five days, and sometimes within hours for simpler cases, with funds following shortly after approval. The timing depends mostly on how fast you share accounts and statements. Because a person handles the file, you can explain any urgency around a contract and get a straight answer on whether it works.
Most facilities run from £75k to £500k, aimed at firms turning over around £200k or more, with no strict minimum size. The right amount depends on the work the funding supports and what the business can comfortably repay. Rather than a headline figure, it is built around your real jobs and cash flow.
Usually yes. Most business loans are repaid in fixed monthly instalments over an agreed term, so the cost is clear from the start and easy to price into jobs. Some facilities carry variable rates that move with the market. Tando works with FCA regulated partners across both, and your account manager will explain which suits you.
Talk to your account manager early. Quiet spells are normal in decorating, and because you deal with a real person rather than a system, there is room to discuss timing. The fixed term is set with that reality in mind. Keeping the lender informed is far better than going silent, and it protects future funding.
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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.’
