Timber, plants, machinery, and crews all cost real money before the invoice goes out. Invoice finance turns billed work into cash within days.
Fencing and landscaping companies use invoice finance to release cash tied up in invoices while customers take their time paying. Timber, fencing panels, plants, turf, and aggregates all need ordering and paying for before the work goes out the door. Skilled crews and machine operators need paying weekly. Customers, especially main contractors and developers, often take 30 to 60 days to settle.
Invoice finance closes that gap by advancing an agreed percentage of each invoice as soon as it is raised. The balance comes through once the customer pays. The facility scales with billing, so taking on bigger commercial work does not pull the business under cash pressure. For fencing and landscaping businesses with several active projects, the cash recycle is what keeps the calendar full and the crews busy.
Landscaping and fencing companies tend to face cash flow pressure because the work is seasonal, material-heavy, and often subject to slow commercial payment terms.
Tando Capital is a human-led brokerage based in Essex, NACFB accredited and working only with FCA-regulated lenders. Each fencing or landscaping client gets a dedicated account manager who handles the case end to end, and decisions usually come back within 3 to 5 days, sometimes hours.
For example, a landscaping company with £100k of unpaid invoices across two developers and a council contract could potentially release most of that cash within days of billing, rather than waiting on each one to clear.
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. Seasonality is well understood by invoice finance lenders, and the facility flexes with your billing, drawing more in busy months and less in quieter periods. The cost is mainly tied to what you actually use. Your account manager will model the seasonal pattern when setting up the facility. Each business is different, so the lender match is tailored rather than off the shelf.
Commercial invoices, including main contractors, developers, councils, and businesses, are funded. Domestic householders are usually not eligible. A mixed book is fine, and the commercial portion goes through the facility. Tando reviews the debtor list upfront and confirms what fits. The aim is a facility that fits your actual cash flow pattern, not a templated one.
Credit issues do not automatically rule you out. Tando is known for placing landscaping and trades businesses with CCJs, bad credit, or past bounced payments. The lenders on the panel look at the customer base and forward orders, not just historical credit data. A conversation is worth having. The detail tends to matter more than the headline numbers, which is why a conversation helps.
Facility size is based on your debtor book, expected turnover, and customer profile. Most facilities sit between £75,000 and £500,000 for businesses turning over £200,000 or more. Larger facilities are possible for higher-turnover firms. Tando will scope the right size with you before any commitment. Tando's role is to match the right lender to your shape of business rather than the other way around.
No. Merchant accounts and supplier credit are not affected by invoice finance. The facility relates to your customer invoicing, not your supplier relationships. With confidential invoice discounting, suppliers and merchants have no visibility of the arrangement at all. It is worth talking through your specific setup before assuming anything is off the table.
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 timeline moving.
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.’
