Business loans for plastering firms funding gangs, plasterboard and materials before valuations land, with fast decisions and a dedicated account manager who knows the trade.
Plastering moves fast on site but the money does not always follow. Gangs are paid weekly, plasterboard, beads and render are bought before each job, and on construction sites payment arrives against valuations weeks later. A business loan provides a lump sum to fund that gap, repaid over a fixed term, so a busy run of work does not drain the bank. It is general working capital rather than money tied to one job.
The funding can cover materials and labour across several sites, a van or mixing kit, or hiring an extra gang to take on more work. For project-based work that releases as each stage is signed off, construction finance can run alongside the loan, and Tando weighs how the firm trades rather than fixing on a credit score. The facility grows as the firm does.
Plastering pairs weekly gang wages with materials bought upfront, while site payments lag well behind the day the work is finished. Weather can stall a job without pausing the wage bill. The strain usually comes from:
Tando works the human way, so a plastering firm has one account manager who understands gang-led cash flow and can act quickly, with decisions usually in three to five days. A patchy credit history does not close the door.
If a firm took on several plots on a new development but needed to pay the gangs and order board before the first valuation, a business loan could cover that opening stretch so the work keeps moving. Because labour is the dominant cost, a heavy weekly wage run can also be smoothed with payroll finance beside the 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 gangs and ordering board before a site valuation lands is a core reason plastering firms borrow. A business loan provides the lump sum to keep the work moving, then you repay over a fixed term as payments come in. Your account manager will size it around the plots and sites you have on.
They are treated as a normal part of the trade. CIS reduces the cash that reaches you from contractors, which is exactly the kind of timing gap a loan can bridge. Sharing how CIS affects your incoming payments helps the lending partner set a realistic term and amount, rather than judging the business on headline figures alone.
Not by default. Tando funds firms that others avoid, including those with bad credit or past bounced payments. The lending partners focus on current trading and repayment ability over the credit file. Explaining what caused any issue, and showing steady recent work, usually carries more weight than the score when the decision is made.
Decisions usually come within three to five days, and simple cases can move within hours, with funds following soon after approval. The main factor is how quickly you supply accounts and bank statements. With a real account manager on the case, you can flag a site start and get an honest view on timing.
Facilities typically range from £75k to £500k, suited to firms turning over around £200k or more, with no fixed minimum. The right number depends on the work the funding supports and what the business can repay. Your account manager works back from your real sites rather than offering a one-size figure.
Yes. Hiring an extra gang to take on more work is a sensible use of a business loan, since the lump sum can cover the wages and materials while the new work pays out. As the funds are general capital, you control how they are spread. Your account manager will help size it to the extra workload.
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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.’
