Specialist materials, qualified engineers, and certified equipment all cost cash before the invoice clears. Invoice finance releases that cash in days.
Fire protection installers use invoice finance because the work is specialist, equipment-heavy, and customers tend to be commercial businesses on 30 to 60 day terms. Sprinkler heads, fire doors, alarm panels, suppression systems, and certified engineers all need funding before any invoice can be raised. Invoice finance releases most of that invoice value within days, rather than weeks.
That keeps engineers on site, equipment ordered, and certification work moving. The facility flexes with billing, so taking on additional commercial contracts, life safety upgrades, or compliance work does not strain cash flow. The funding line grows as turnover rises. For fire protection installers running both installation and service revenue streams, the facility supports both sides of the business. It is one of the more practical funding routes for fire protection installers working across both public sector and main contractor schemes.
Fire protection businesses tend to feel cash flow pressure because the work sits in a specialist supply chain with strict approval cycles. The combined effect is long working capital cycles that limit how much new work you can take on.
Tando Capital is a human-led brokerage with FCA-regulated lending partners and NACFB accreditation. Each fire protection client deals with a dedicated account manager rather than a generic call centre, and decisions usually come back inside 3 to 5 days, sometimes within hours.
For example, a fire protection contractor with £150k of invoices across two facilities clients and a main contractor could potentially release most of that cash within days, rather than waiting weeks for each one to clear. Fire protection installers who use invoice finance consistently usually find that the predictable cash flow makes quoting and accepting bigger contracts a much easier decision.
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. Recurring service and maintenance billing is well suited to invoice finance, because the income is predictable and the customers tend to be commercial. Lenders often like service revenue for that reason. Your account manager will look at the mix of installation and service billing to set up the right structure.
Yes, once the invoice has been raised and accepted by the customer, it can be funded. The lender focuses on the certainty of the invoice rather than the specific service. Tando matches you to a lender comfortable with the way fire protection contracts are typically structured and billed. The right structure depends on your customers and your billing pattern.
Past credit problems do not necessarily stop you being placed. Tando is known for working with businesses that other brokers turn down, including fire protection firms with CCJs, bad credit, or bounced payment history. The lenders on the panel weigh up the wider trading picture rather than focusing on credit alone.
Invoices raised to insurance companies or loss adjusters can sometimes be funded, depending on the lender and the certainty of payment. Insurance-backed billing can be more complex, so Tando will match you to a lender that has experience of this type of work and structures the facility accordingly. A short conversation usually clarifies what is actually possible for your business.
Most lenders fund invoices of any reasonable size, although very small invoices may be uneconomic to fund individually. The facility tends to suit invoice values in the thousands rather than tens of pounds. Your account manager will confirm what the lender expects when sizing up the facility. Your account manager will walk through the detail before anything is committed to.
It depends on the type of facility. Confidential invoice discounting keeps the arrangement private, and your customer pays you as normal. Disclosed factoring means the customer pays the lender directly. Both options exist, and Tando will run through which fits your customer relationships. Each business is different, so the lender match is tailored rather than off the shelf.
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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.’
