Plant, fuel, and skilled crews cost real money before the invoice goes out. Invoice finance turns confirmed billing into cash within days.
Invoice finance supports demolition contractors by releasing cash from unpaid invoices within days, instead of weeks. The cost of running excavators, breakers, and tipper movement, paying licensed operatives, and managing waste and recycling is heavy and constant. The customer, often a tier one main contractor or developer, then takes 60 days or more to pay. Invoice finance closes that gap.
An agreed percentage of each invoice is advanced as soon as it is raised. The balance comes through when the customer settles, less the lender's fees. The facility scales with your billing, so when project values rise, the funding line rises too. For demolition firms running several jobs at once, that ability to recycle cash quickly is what allows you to keep mobilising new work.
Demolition is a high-cost, high-skill operation, and the cash flow pressure tends to come from a familiar set of patterns that build up across live projects.
Tando Capital is a UK commercial finance brokerage, NACFB accredited, with a panel of FCA-regulated lenders that understand demolition cash flow. You deal with a dedicated account manager rather than an online portal, and decisions usually come back inside 3 to 5 days, sometimes within hours.
For example, a demolition contractor with three live projects and £250k in certified valuations could potentially use a facility like this to release the majority of that cash within days, rather than waiting two or three months for each main contractor to pay.
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. Some lenders specifically fund certified applications for payment and valuations, which is how most demolition work is billed. Not every lender does, so matching to the right one matters. Tando handles that match rather than putting you in front of a lender that does not fit how you invoice.
Retention is usually held back too long for invoice finance to fund it directly, but some lenders treat it separately or build it into a wider funding picture. Your account manager will lay out the options rather than ignoring the issue. Retention can be a meaningful sum, so it is worth addressing.
Yes, in many cases. Tando is well known for placing demolition firms and other construction businesses with CCJs, bad credit, or past bounced payments. The lenders on the panel weigh up the wider trading picture, including the strength of the debtor book and the forward order pipeline. A short conversation usually clarifies what is actually possible for your business.
Lenders are generally comfortable funding licensed demolition and asbestos removal work, provided the firm holds the right accreditations. The customer base and contract structure matter more than the type of demolition. Tando matches you to a lender that already understands this side of the sector. Your account manager will walk through the detail before anything is committed to.
Invoice finance is best for ongoing working capital tied to your billing. A business loan suits one-off costs like a major piece of plant. Many demolition contractors use both side by side. Tando arranges either, or a combination, depending on what the business actually needs. Each business is different, so the lender match is tailored rather than off the shelf.
Once the facility is in place, drawdowns are usually available the same day an invoice is uploaded or within 24 hours. The setup itself typically takes 2 to 4 weeks from first conversation, with a decision in principle usually inside 3 to 5 days. Your account manager keeps the process moving.
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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.’
