Long contracts and slow certification keep working capital frozen. Invoice finance turns confirmed billing into usable cash within days, not months.
Invoice finance helps civil engineering firms by converting billing that would normally take months to be paid into working capital you can use straight away. On infrastructure and groundworks contracts, the gap between submitting a valuation and receiving payment can run to 60, 90, or even 120 days. That is a long time to fund plant, wages, and material costs out of your own reserves.
With invoice finance in place, an agreed percentage of each invoice is advanced as soon as it is raised, with the balance released once the customer settles. The facility flexes with your turnover, so when contract volumes increase, your funding line grows with them. For firms operating across multiple frameworks and contract types, the predictability is what makes the facility valuable.
Civil engineering payment cycles are some of the longest in construction, and the pain points show up consistently across the sector. The combined effect is working capital that sits frozen for months on end.
Tando Capital is a UK commercial finance brokerage based in Essex, with a panel of FCA-regulated lenders that understand how civil engineering contracts actually run. You get a dedicated account manager rather than a chatbot, and decisions typically come back inside 3 to 5 days.
For example, a civil engineering firm waiting 90 days on certified valuations across three live contracts could potentially use invoice finance to release the bulk of that money within days of each valuation being approved.
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, several lenders fund against certified applications for payment, which is how most civil engineering work is billed. Not every lender does, so Tando matches you to one that recognises your billing cycle. This avoids the common problem of being offered a facility that does not fit how you actually invoice.
Most invoice finance facilities do not fund retention directly, because it can be held back for many months. However, some lenders will look at retention separately or as part of a wider funding package. A dedicated account manager will explore the full picture rather than just the main invoice book.
Tando's sweet spot is businesses turning over £200,000 or more, with facilities usually between £75,000 and £500,000. Smaller firms can still be considered if the debtor book is strong. Larger facilities are possible for higher-turnover contractors with established trading history. Tando's role is to match the right lender to your shape of business rather than the other way around.
Yes, the vast majority of tier one contractors are familiar with invoice finance and have processes in place for it. Some firms prefer confidential invoice discounting so the arrangement is not visible to customers. Both options are available depending on your preference and the lender. It is worth talking through your specific setup before assuming anything is off the table.
Tando is known for placing cases that other brokers will not touch, including firms with past bounced payments or CCJs. The lenders on the panel weigh the wider trading picture, the quality of your debtor book, and your forward order book rather than focusing solely on historical credit data. The right structure depends on your customers and your billing pattern.
From initial conversation to drawdown is typically 2 to 4 weeks for a new invoice finance facility, depending on how quickly the paperwork comes together. Decisions in principle are much faster, often within 3 to 5 days. Your account manager keeps the timeline moving rather than letting it drift. A short conversation usually clarifies what is actually possible for your business.
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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.’
