Business loans for recruitment agencies funding consultants, marketing and growth while clients pay on credit, with fast decisions and a dedicated account manager.
Recruitment front-loads spending on people and tools, while fee income and temp billing arrive weeks later, so cash leaves the agency before it returns. Building a desk means paying for growth well before it pays back, and a busy month of placements can widen the gap rather than close it. The pressures usually include:
Recruitment front-loads spending on people and tools, while fee income and temp billing arrive weeks later, so cash leaves the agency before it returns. Building a desk means paying for growth well before it pays back, and a busy month of placements can widen the gap rather than close it. The pressures usually include:
Tando is human-led, so an agency works with one account manager who understands fee cycles and slow client payment, and can move quickly. Decisions usually arrive in three to five days, and a knocked credit history does not end the conversation.
If an agency wanted to hire and market to grow the desk but its cash was tied up in unpaid client invoices, a business loan could fund that growth so the plan is not delayed. Where the bigger drag is clients paying slowly on placements and timesheets, 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. Hiring consultants and funding marketing before the extra fees arrive is a core reason agencies borrow. A business loan provides the lump sum to grow the desk, then you repay over a fixed term as billings come through. Your account manager will size it around the growth and client terms you work to.
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 steady billings, 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 hiring or contract 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 growth and costs the funding supports and what the agency can comfortably repay. Your account manager sizes it around real billings rather than a generic limit.
It depends on the problem. A business loan is a lump sum for any purpose, useful for hiring, marketing or tech. Invoice finance instead releases cash from unpaid placement and timesheet invoices as you raise them. Many agencies use both. Your account manager will compare them so the funding matches how your money actually moves.
It can bridge it, though for funding a weekly temp or contractor pay run the purpose-built tools are payroll finance and invoice finance. A business loan is general capital, so it suits growth, tech and overheads. Your account manager can compare the options so the right tool funds the right cost.
Real Businesses, real support,
real results
connecting businesses with real experts, not automated systems.
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.’
