Materials prices keep rising, wages need paying weekly, and main contractors take their time. Invoice finance unlocks the cash sitting in your invoices.
Electrical contractors are using invoice finance because the gap between completing the work and getting paid is wider than ever. Cable, switchgear, and lighting prices have all risen, customers expect 30 to 60 day terms, and wages have to be paid each week regardless. Invoice finance closes that gap by releasing most of an invoice's value as soon as it is raised.
That means you can keep ordering materials, pay your team on time, and take on the next job without waiting for the last one to settle. The facility flexes with your billing, so as your turnover grows, so does the available cash line. For UK electrical contractors juggling commercial fit-out, new-build, and direct end client work, the smoothing effect is significant.
Electrical businesses tend to feel cash pressure from a familiar set of issues that compound when the order book is busy. Each of these alone is manageable. Stacked together, they push working capital to its limits.
Tando Capital is a human-led brokerage based in Essex, working with a panel of FCA-regulated lenders to match electrical contractors to the right invoice finance facility. You deal with one dedicated account manager throughout, and decisions usually come back inside 3 to 5 days, sometimes within hours.
For example, an electrical contractor with £150k of unpaid invoices across a handful of main contractors could potentially release most of that cash within days, rather than waiting six to ten weeks for each one 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.
Not always. Whole turnover facilities cover all invoices, but selective or single invoice finance lets you choose which invoices to fund. Selective is useful for electrical contractors with mixed customer types, where some pay quickly and only one or two are slow. Your account manager will recommend the right structure.
Most invoice finance decisions come back within 3 to 5 working days. In some cases, where the paperwork is ready and the customer base is clean, decisions land within hours. Tando keeps the application moving rather than letting it sit in a queue. The right structure depends on your customers and your billing pattern.
Wholesalers have no direct involvement in invoice finance and usually have no visibility of it at all, particularly with confidential invoice discounting. The arrangement sits between you, the lender, and the customer being invoiced. It does not appear on your supplier accounts. A short conversation usually clarifies what is actually possible for your business.
Limited companies are the most common structure for invoice finance, but sole traders can sometimes be considered if turnover and the debtor book justify it. Tando will run through your setup and match you to a lender willing to work with the structure of your business. Your account manager will walk through the detail before anything is committed to.
It depends on what you need the cash for. Invoice finance is best for ongoing working capital tied to your billing. A business loan suits one-off costs like a vehicle, plant, or premises. Many electrical contractors use both side by side. Tando arranges either, or a combination. Each business is different, so the lender match is tailored rather than off the shelf.
A recent bounced payment does not automatically rule you out. Tando is known for placing cases that other brokers will not, including businesses with credit blips. The lenders on the panel look at the wider trading picture rather than focusing on one specific event in your bank history. The aim is a facility that fits your actual cash flow pattern, not a templated one.
Real Businesses, real support,
real results
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.’
