Feedstock is paid for upfront and industrial buyers pay slowly. Release the cash in your invoices and keep raw materials and production funded.
Chemical manufacturers carry heavy upfront costs on every batch. Feedstock and raw chemicals are bought at prices that can move sharply and paid for before production, batch runs take time, and storage and compliance costs accumulate throughout. Then industrial buyers settle on extended terms, leaving working capital frozen in product that has already been made and shipped.
Invoice finance releases most of an invoice value within a day or two of dispatch, rather than waiting 60 or 90 days. That cash funds the next feedstock order, covers running and compliance costs, and lets you commit to larger contracts with confidence. For chemical manufacturers managing volatile input prices and slow-paying industrial customers, the facility keeps production funded while the sales ledger catches up.
Chemical production ties up capital across materials, storage, and compliance while industrial buyers pay slowly. Costs are committed at the front of each batch while the money to cover them arrives months later. The cash flow strain builds steadily across every active batch and contract.
Tando Capital is a human-led brokerage arranging invoice finance through FCA-regulated lenders, with a dedicated account manager handling your case throughout. Decisions usually land within 3 to 5 days, and sometimes within hours, so a feedstock order or batch run is not held up while you wait on an industrial buyer.
For example, a chemical manufacturer with £360k tied up in industrial invoices on long terms could potentially use a facility like this to release most of that value within days of dispatch, funding the next feedstock order without drawing on reserves.
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.
Most chemical manufacturers receive an initial decision within 3 to 5 working days, and sometimes the same day. Because Tando works across a panel of FCA-regulated lenders, your account manager can match your industrial buyer profile and ledger to the lender most likely to approve quickly. The first drawdown normally follows soon after the facility is set up.
Often yes. The funding is secured against your unpaid invoices, so lenders weigh the strength of your customers more heavily than your credit history. Many chemical manufacturers supply established industrial buyers, which helps. Tando regularly places businesses that have had judgments or bounced payments by matching them to lenders comfortable with that situation rather than refusing them.
Invoice finance does not change material prices, but it makes the cash to buy feedstock available sooner. By releasing most of an invoice value within a day or two of dispatch, it gives you working capital to commit to feedstock orders when timing matters, rather than waiting on slow-paying buyers. That flexibility helps when input costs move month to month.
Most facilities advance around 80 to 90 percent of an invoice value within a day or two of raising it, with the balance paid when the buyer settles, minus the agreed fee. The exact rate depends on your customers and the lender chosen. Your account manager confirms the advance percentage before you commit, so the numbers are clear from the outset.
Only with a disclosed facility. Confidential invoice discounting keeps the arrangement private and your buyers pay you as normal, which many chemical manufacturers prefer. With factoring, the lender manages collections and saves admin time. Tando will explain both routes and help you choose the one that protects your buyer relationships best before anything is agreed.
Tando works best with manufacturers turning over £200k or more a year, with facilities typically structured between £75k and £500k. The funding scales with your sales ledger, so available cash rises as your invoicing grows. The exact limit depends on your buyer base, the payment terms they impose, and how the ledger is spread across different accounts.
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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.’
