Business loans for transport and haulage companies funding fuel, wages and maintenance before customers pay, with fast decisions and a dedicated account manager.
Haulage runs on cash that goes out long before it comes back. Fuel is paid for almost daily, drivers are paid weekly, and trucks need tyres, servicing and insurance, all before customers settle invoices 30 to 90 days after the load is delivered. A business loan provides a lump sum of working capital to cover that gap, repaid over a fixed term, so the fleet keeps moving regardless of what is in the bank. Tando arranges business loans through FCA regulated partners and judges the business on how it trades rather than the credit score.
As general capital, the funding can cover fuel and wages while a new contract beds in, fund maintenance or a deposit on extra vehicles, or bridge a slow-paying customer. It is not tied to one invoice, so taking on more work becomes easier to resource, and the facility grows as the fleet does.
Haulage front-loads spending on fuel, wages and upkeep, while customers pay weeks after a job is run. Fuel alone can swallow a large share of turnover before a single invoice is paid, and winning more work can stretch it further. The pressures usually include:
Tando is human-led, so a haulier works with one account manager who understands fuel-heavy, slow-paying cash flow and can move quickly. Decisions usually arrive in three to five days, and a knocked credit history does not end the conversation.
If a haulier won a new contract but had to cover fuel and drivers for weeks before the first payment, a business loan could fund that ramp-up so the work runs on time. Where the bigger drag is customers paying slowly on completed jobs, 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. Covering fuel and driver wages before a customer settles is a core reason hauliers borrow. A business loan provides the lump sum to keep the fleet running, then you repay over a fixed term as payments arrive. Your account manager will size it around the contracts and payment 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 work, 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 contract start date 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 contracts and running costs the funding supports and what the business can comfortably repay. Your account manager sizes it around real work rather than a generic limit.
It depends on the problem. A business loan is a lump sum for any purpose, useful for fuel, wages or a contract ramp-up. Invoice finance instead releases cash from unpaid invoices as you raise them. Many hauliers use both. Your account manager will compare them so the funding matches how your money actually moves.
It can cover a deposit or bridge the cost, though for buying trucks outright asset or vehicle finance is often the better fit. A business loan is general capital, so it suits fuel, wages and getting a new contract moving. Your account manager can compare the options so the right tool funds the right cost.
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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.
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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.’
