Timber, bespoke joinery, and skilled labour all cost money before the invoice is paid. Invoice finance turns billed work into cash within days.
Carpentry and joinery firms rely on invoice finance to bridge the gap between paying for the materials and labour that go into a job and being paid by the customer. Bespoke joinery, timber, ironmongery, finishes, and skilled carpenters all need funding before any invoice can go out. Main contractors and commercial clients tend to pay on 30 to 60 day terms. Invoice finance releases most of the invoice value within days.
That keeps the workshop busy, crews on site, and quotes going out for the next job without waiting for the last one to clear. The facility scales with turnover, so taking on larger fit-out, developer, or commercial work does not pull cash flow under. For carpentry and joinery firms balancing workshop production and site fitting, the cash recycle is what keeps both sides of the operation moving.
Carpentry and joinery firms face cash flow pressure because the work mixes material-heavy workshop production with skilled site labour, and customers tend to pay slowly.
Tando Capital is a UK commercial finance brokerage based in Essex, NACFB accredited and working only with FCA-regulated lenders. Carpentry and joinery clients get a dedicated account manager rather than an automated process, and most decisions come back inside 3 to 5 days, sometimes within hours.
For example, a carpentry and joinery firm with £110k of unpaid invoices across a fit-out main contractor and two developers could potentially release the bulk of that cash within days, rather than waiting weeks for each customer to settle.
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. Once an invoice is raised and accepted by the customer, it can be funded, including bespoke joinery work. Lenders focus on the certainty of the invoice and the customer's payment record rather than the specific type of joinery. Tando matches you to a lender comfortable with the way your work is billed.
Yes. Fit-out joinery is a common use case, and most invoice finance lenders are well set up for stage payments and main contractor billing. Tando matches you to a lender that recognises how fit-out contracts are billed, rather than offering a facility that only works for invoice-on-completion businesses. Each business is different, so the lender match is tailored rather than off the shelf.
Yes, often. Tando is known for placing carpentry and joinery firms with CCJs, bad credit, or recent bounced payments. The lenders on the panel weigh up the customer base, forward orders, and wider trading picture rather than focusing on the credit file alone. A short conversation usually shows what is realistic.
There is no rigid minimum, but the sweet spot for Tando's lender panel is businesses turning over £200,000 or more, with facilities typically between £75,000 and £500,000. Smaller carpentry and joinery firms can sometimes be considered if the debtor book and forward orders are strong. The aim is a facility that fits your actual cash flow pattern, not a templated one.
No. Timber merchants, ironmongery suppliers, and other workshop accounts are not part of the arrangement. Invoice finance relates only to your customer invoicing. With confidential invoice discounting, suppliers have no visibility of the facility at all, and supplier credit continues as today. The detail tends to matter more than the headline numbers, which is why a conversation helps.
Invoice finance is designed to scale with billing. As turnover rises, the facility 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 cash line grows as you grow, rather than capping you.
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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.’
