Business loans for roofing firms that cover scaffold, materials and labour up front, with fast decisions and a named account manager from day one.
A roofing contractor lays out for scaffolding, membranes, tiles or flat-roof systems and a full crew before the job is finished and signed off. A business loan covers that outlay as a single lump sum, repaid over a fixed term, so you are not funding every project from your own reserves. Tando arranges business loans with FCA regulated partners and judges applications on how the firm trades, which opens the door to contractors who have had a difficult year.
The capital is yours to use as the work needs it, from materials on a large commercial re-roof to wages across several domestic jobs running at once. It is general working capital, not money tied to one invoice, so a busy spell with several deposits to fund becomes manageable. As the firm wins bigger contracts, the funding can step up with it.
Roofing is front-loaded on cost, and the bigger the job the longer the wait to be paid in full. Domestic and commercial work often overlaps, so several outlays land at the same time. The pressure tends to come from:
Tando is human-led, so a roofing contractor deals with one account manager who knows the trade rather than a faceless platform. Decisions usually come back in three to five days, and the team is open to firms whose credit has taken a hit during a quiet winter or a bad debt.
If a roofing firm landed a large commercial re-roof but needed to fund scaffold and the first material orders before any payment, a business loan could cover that opening cost so the crew gets on site. Where the bigger problem is commercial clients paying slowly on completed roofs, invoice finance can release the cash held in those applications 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. Materials and scaffold are classic upfront roofing costs, and a business loan exists to cover exactly that. The lump sum lets you order tiles, membranes and access in advance and pay the crew while a job runs, then repay over a set term. Your account manager will size it around the projects you have lined up.
Yes. A seasonal dip is something Tando sees often in roofing, and a single rough patch does not end an application. The lending partners weigh how the firm trades over time and whether work is coming back in. A short explanation of the quiet period, with recent figures showing recovery, usually carries more weight than the credit score.
Typically three to five days, with simpler cases moving faster, sometimes within hours. The clock really depends on how quickly you send accounts and bank statements. A real person reviews the file, so if a job start date is fixed you can explain the urgency and get an honest view on whether the timing works.
Facilities usually fall between £75k and £500k, suited to firms turning over around £200k or more, though there is no fixed minimum. The right amount depends on the work the funding supports and what the business can comfortably repay. Rather than pushing a headline figure, your account manager works back from the jobs and costs in front of you.
Most business loans are repaid in fixed monthly instalments over an agreed term, so you know the cost from the start and can build it into pricing. Some facilities offer variable rates, which can move with the market. Tando works with FCA regulated partners across both, and your account manager will explain which structure suits your cash flow.
Yes. The funds are general working capital, not tied to a single contract, so you can spread them across several jobs running at once. That is useful in roofing, where domestic and commercial work often overlap. If the order book keeps growing, the facility can be revisited with your account manager rather than capped at one project.
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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.’
