Business loans for scaffolding firms with heavy kit and wage costs, offering fast decisions and a dedicated account manager who understands hire-out cash flow.
Scaffolding is capital-heavy from the outset. Tubes, boards, fittings and transport all cost money long before a contract pays out, and crews are on the wage bill from the first lift. A business loan provides a lump sum to fund that, repaid over a fixed term, so growth does not depend entirely on what is sitting in the bank. Because labour is such a large share of the cost, a heavy weekly wage bill is often the real squeeze. Payroll finance can ease that specific pressure, while a term loan handles kit and expansion.
The funding is flexible working capital, so it can stock out more scaffold to take on parallel sites, cover a yard move, or bridge the gap while long contracts pay monthly. As a firm wins larger or longer hires, the facility can scale to match the order book.
Scaffolding ties up cash in equipment and labour while income trickles in slowly across long hires and drawn-out contracts. Kit can be on site for weeks before a hire is fully paid, so money sits out in the field. The common strains include:
Tando works the human way, so a scaffolding firm has a single account manager who understands kit-heavy, wage-heavy cash flow and can move quickly. Decisions usually take three to five days, and a patchy credit history does not close the door.
If a firm needed to double its stock of scaffold to take on a second long contract, a business loan could fund the extra kit so both jobs run at once. On bigger construction projects where the scaffold package is paid in stages, construction finance can be structured to match the programme, and your account manager will explain which suits.
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 extra tube, boards and fittings to take on more work is a common reason scaffolding firms borrow. A business loan gives you the lump sum to expand the fleet, then repay over a fixed term as the new contracts pay out. Your account manager will look at the hires you are bidding for to size it.
It is taken in context rather than as a problem. Wages are a big part of scaffolding costs, and lenders expect that. A strong order book usually supports the borrowing. If the weekly wage run is the main pressure, payroll finance may sit alongside a loan, and your account manager will explain how the two work together.
Not by default. Tando funds firms others avoid, including those with bad credit or bounced payments in the past. The lending partners focus on current trading and whether the firm can meet repayments. Explaining what caused the issue, and showing steady recent work, usually matters more than the credit file when the decision is made.
Most sit between £75k and £500k, aimed at firms turning over around £200k or more, with no strict minimum size. The right number depends on what the funding is for and what the business can repay. Because a person reviews it, the facility is sized around your real order book rather than a generic formula.
Usually within three to five days, and sometimes within hours for simpler cases. The main variable is how fast you provide accounts and bank statements. With a real account manager on the file, you can talk through any deadline tied to a contract start and get a clear answer on whether the timing is realistic.
Often yes. Larger facilities can be secured against assets such as scaffold stock, vehicles or property, which can improve the rate and the amount offered. Smaller loans may be unsecured and based on the business itself. Tando works with FCA regulated partners across both, so the structure is matched to your assets and needs.
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.’
