Business loans for retail businesses funding stock, refits and quieter periods between busy seasons, with fast decisions and a dedicated account manager.
Retail front-loads spending on stock, fit-out and premises, while takings come in only as goods sell. Buying ahead of a season means committing cash well before the sales arrive. Fixed costs such as rent and staff keep running through the quieter weeks too, long after the stock was bought. The pressures usually include:
Retail front-loads spending on stock, fit-out and premises, while takings come in only as goods sell. Buying ahead of a season means committing cash well before the sales arrive. Fixed costs such as rent and staff keep running through the quieter weeks too, long after the stock was bought. The pressures usually include:
Tando is human-led, so a retailer works with one account manager who understands stock buying, seasonal trade and fixed premises costs, and can move quickly. Decisions usually arrive in three to five days, and a knocked credit history does not end the conversation.
If a retailer wanted to buy stock and refresh the shop ahead of a busy season but cash was tied up in current stock, a business loan could fund that so the shop is ready for demand. Because takings come through the till, a merchant cash advance can be another route, repaid as a share of card sales, and your account manager will explain how it compares to 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. Buying stock and getting the shop ready before a busy season is a core reason retailers borrow. A business loan provides the lump sum to stock up, then you repay over a fixed term as it sells through. Your account manager will size it around the stock and trading pattern you work to.
A merchant cash advance is repaid as a percentage of your card takings, so repayments flex with how busy you are. A business loan is a fixed lump sum repaid over a set term. Many retailers consider both. Your account manager will compare them so the structure fits how your sales come in.
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 takings, 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 buying or refit 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 stock and costs the funding supports and what the business can comfortably repay. Your account manager sizes it around real trading rather than a generic limit.
Yes. A business loan is general capital, so funding a fit-out, stock and opening costs for a second site sits within scope. As the funds are not tied to one purpose, you decide how to spread them. If the plan is to buy the premises themselves, it is worth comparing property finance too.
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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.’
