Stop waiting 60 to 90 days for payment. Release cash tied up in your invoices and keep projects, subcontractors, and suppliers moving without strain.
Construction companies need invoice finance because payment terms in the sector rarely match the pace of the work. You bill at the end of a phase, then sit on that invoice for 60 or 90 days while wages, plant hire, and materials keep going out the door. Invoice finance bridges that gap by advancing most of the value of a confirmed invoice within days of it being raised, rather than weeks after.
For UK construction businesses, that means you can take on the next job, pay subcontractors when they need it, and stop letting slow payers dictate your growth. The facility scales with your turnover, so as your billing increases, the funding line grows alongside it. It is one of the most practical funding tools for any UK construction firm growing past the £200k turnover mark.
Construction firms feel cash flow pressure from several directions at once, and most of it traces back to the gap between doing the work and getting paid for it.
Tando Capital is a human-led brokerage that arranges invoice finance facilities through FCA-regulated lenders, with a dedicated account manager handling your case from start to finish. Decisions typically come back within 3 to 5 days, and in some cases hours, so you are not left in limbo while the next pay run looms.
For example, a construction company with £400k of outstanding invoices waiting on certification could potentially use a facility like this to release the majority of that cash within days of raising the invoice.
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 decisions come back within 3 to 5 working days, and in some cases the same day. Tando works with FCA-regulated lenders that move quickly on construction cases, and a dedicated account manager keeps your application progressing rather than letting it sit in a queue. The right structure depends on your customers and your billing pattern.
Not necessarily. Tando Capital is known for placing cases that other brokers turn down, including businesses with bad credit, CCJs, or a history of bounced payments. The lenders on the panel look at the wider trading picture, not just the credit score, so it is worth a conversation. A short conversation usually clarifies what is actually possible for your business.
Most facilities sit between £75,000 and £500,000, with the sweet spot for construction clients being businesses turning over £200,000 or more. Larger facilities are possible depending on your debtor book and the lender. A dedicated account manager will scope the right size with you. Your account manager will walk through the detail before anything is committed to.
Some lenders fund certified applications for payment, while others fund only final invoices. Tando works with both types of lender and will match you to one that fits how you actually bill. This matters in construction because applications for payment are how most main contractors operate. Each business is different, so the lender match is tailored rather than off the shelf.
It depends on the type of facility. Disclosed factoring means customers are aware and pay into the lender's account. Confidential invoice discounting keeps the arrangement private. Both are available, and the right choice depends on your customer relationships. Your account manager will talk through both. The aim is a facility that fits your actual cash flow pattern, not a templated one.
Typically the last 12 months of accounts, recent management accounts, an aged debtor report, bank statements, and details of your main customers. If retention or applications for payment are involved, the lender will want sight of those too. Tando guides you through the list so nothing gets missed. The detail tends to matter more than the headline numbers, which is why a conversation helps.
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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.’
