Wages run weekly, bricks and blocks land daily, and main contractors pay when they pay. Invoice finance keeps your cash flowing in between.
Invoice finance is useful for bricklaying contractors because the cost of running a gang lands every week, while customers tend to pay every month or longer. Bricklayers, hod carriers, and labourers all need paying on time. Bricks, blocks, sand, and cement come out of your pocket before any invoice can be raised. Invoice finance bridges the gap by releasing most of the value of each invoice within days.
That keeps the cash cycle predictable. You can take on additional gangs or another site without waiting for the last valuation to clear. The funding line grows with turnover, so scaling up does not become a cash flow trap. For bricklaying contractors managing several gangs across different developer sites, the speed of cash recycle becomes the foundation of the operation.
Bricklaying contractors run into cash flow strain because the job is labour-heavy and the customer is usually a slow payer. The combined effect is cash flow pressure that builds week on week across the order book.
Tando Capital is a human-led brokerage that pairs you with a dedicated account manager from day one, rather than passing your case around. The firm is NACFB accredited, works only with FCA-regulated lenders, and turns most decisions around inside 3 to 5 days, sometimes within hours.
For example, a bricklaying contractor with £90k of unpaid valuations across two sites could potentially release most of that cash within days, rather than waiting on each main contractor's pay run.
Invoice Factoring converts your unpaid invoices into cash and includes a full collections service. Tando Capital liaises with your customers to collect payments, saving you time and ensuring professional credit management.
With Invoice Discounting, you retain control of customer relationships and collections. You receive immediate funds against your invoices, and your customers aren’t aware of your finance arrangement—ideal for businesses that want confidentiality.
Selective Invoice Factoring lets you pick which invoices to fund, giving you targeted flexibility. Only submit the invoices you need cash for, so you’re never tied into funding your entire sales ledger.
Yes. Most bricklaying contractors operate as subcontractors to main contractors or developers, and that is exactly the customer profile that invoice finance lenders are happy with. The key is that the customer is a commercial business rather than a private homeowner. Your account manager will confirm fit. It is worth talking through your specific setup before assuming anything is off the table.
Yes. Some bricklaying contractors invoice weekly to keep the cash cycle tight, and most invoice finance lenders are comfortable with weekly, fortnightly, or monthly billing. The lender funds invoices as they are raised, regardless of frequency. Tando matches you to a lender that recognises your cycle. The right structure depends on your customers and your billing pattern.
Recent bounced payments do not automatically rule you out. Tando regularly places bricklaying firms with credit issues, CCJs, or past bounced payments. The lenders on the panel look at the wider trading picture, including customers and forward orders, rather than focusing on one event in the bank history. A short conversation usually clarifies what is actually possible for your business.
Once the facility is in place, drawdowns are usually available the same day an invoice is uploaded, or within 24 hours. That is the main benefit. You stop waiting weeks for customer payment and start operating on a much shorter cash cycle. Your account manager will walk through the detail before anything is committed to.
Asking customers to pay early rarely works in construction, where payment terms are set by tier one contractors and have little flex. Invoice finance gives you the early payment without depending on the customer's goodwill or risking the relationship. It is usually more reliable. Each business is different, so the lender match is tailored rather than off the shelf.
Yes. Invoice finance facilities are designed to scale with your billing. As turnover rises, the funding line can be reviewed and increased. Tando keeps an eye on the facility over time and will arrange a review with the lender when the business needs more capacity. The aim is a facility that fits your actual cash flow pattern, not a templated one.
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.’
