Business loans for warehousing and storage companies funding racking, equipment and staff before clients pay, with fast decisions and a dedicated account manager.
Warehousing and storage firms carry heavy fixed costs in rent, racking, handling equipment and staff, while clients pay monthly or later on contract terms. Winning a new contract often means fitting out space and hiring before the first payment lands. A business loan provides a lump sum to fund that, repaid over a fixed term, so the operation is not limited by 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 working capital, the funding can fit out extra space, fund forklifts and racking, cover staff and energy, or bridge the gap until clients pay. It is not tied to one invoice, so taking on a larger client becomes manageable, and the facility grows as the business does.
Warehousing pairs heavy fixed costs with clients who pay on contract terms, so the building, kit and staff are all funded long before the income arrives. A new contract sharpens that gap further, with fit-out and hiring landing before the first payment. The pressures usually include:
Tando keeps it human, so a warehousing firm has one account manager who understands heavy fixed costs and contract payment terms, and can move quickly, with decisions usually in three to five days. A credit record that has slipped does not rule a firm out.
If a firm won a contract but had to fit out space and hire staff before the first payment, a business loan could fund that set-up so the operation runs from the start. Where the plan is to buy or expand the premises themselves, property finance is usually the better route, and your account manager will explain how it differs from a working capital 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. Fitting out space and hiring before a contract pays is a core reason warehousing firms borrow. A business loan provides the lump sum to get the operation running, then you repay over a fixed term as payments arrive. Your account manager will size it around the contracts and terms you work to.
It depends on the spend. Buying or expanding a warehouse itself usually suits property finance, secured on the building. A business loan is better for working capital such as racking, equipment, staff and contract set-up. Many firms use both. Your account manager will compare them so the right facility funds the right cost.
Not by default. Tando funds firms that others avoid, including those with bad credit or past bounced payments. The decision rests on current trading and repayment ability, not the credit file alone. A clear explanation of any past issue, with steady recent work, usually counts for more than the score when the case is reviewed.
Decisions usually come within three to five days, and simple cases can move within hours, with funds following soon after approval. The timing depends mainly on how fast you share accounts and statements. With a real account manager on the file, you can flag a contract start date and get a realistic answer.
Facilities typically range from £75k to £500k, aimed at firms turning over around £200k or more, with no strict minimum. The right amount depends on the contracts and fixed costs the funding supports and what the business can comfortably repay. It is built around your real operation rather than a headline number.
Yes. A business loan is general capital, so funding racking, shelving and handling equipment is well within scope, alongside staff and energy. As the funds are not tied to one purchase, you decide how to spread them. If the spend is purely on forklifts, it is worth comparing asset 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.’
