Long projects, layered subcontractors, and slow client sign-off keep cash locked up. Invoice finance gets it moving again within days of billing.
Fit-out and refurbishment companies turn to invoice finance because their projects involve dozens of subcontractors, big material orders, and clients who take their time on sign-off. The result is large outflows during the work and large invoices sitting unpaid afterwards. Invoice finance smooths that out by advancing most of the value of each invoice within days, rather than weeks.
The facility is designed to scale with your billing, so as project values rise from £50k jobs to £500k contracts, the cash line grows alongside them. That makes it easier to keep multiple projects running without waiting for one to settle before mobilising the next. For fit-out firms running concurrent projects, the steady cash recycle is what makes the model sustainable.
Cash flow control in fit-out tends to slip in a few familiar places, and they usually all show up at once on a busy programme.
Tando Capital is a human-led brokerage that pairs you with a dedicated account manager from day one, rather than handing you to whichever rep is free. The firm is NACFB accredited, works only with FCA-regulated lenders, and turns most decisions around in 3 to 5 days, sometimes within hours.
For example, a fit-out firm running three projects with £300k of certified valuations could potentially use a facility like this to release most of that money within days, rather than waiting on each client's payment run.
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. Several lenders on the panel fund certified applications for payment, which is how most commercial fit-out is billed. Tando matches you to a lender that recognises your billing pattern, rather than offering a facility that only fits firms invoicing in calendar months. The aim is a facility that fits your actual cash flow pattern, not a templated one.
It depends on the type of facility. Confidential invoice discounting keeps the arrangement private and your client pays you as normal. Disclosed factoring means the client pays the lender directly. Both are available. Your account manager will run through which suits your client relationships. The detail tends to matter more than the headline numbers, which is why a conversation helps.
Variations are invoiced and funded like any other invoice once they are approved. Disputed or unagreed variations are usually not funded until they are settled. Lenders look at the proportion of your invoice book that is clean and certain, which most fit-out firms have plenty of even with some live variations.
Most facilities sit between £75,000 and £500,000, suited to fit-out firms turning over £200,000 or more. Larger facilities are possible for higher-turnover businesses with stronger debtor books. Tando scopes the right size with you upfront rather than promising more than the lender will actually deliver. Tando's role is to match the right lender to your shape of business rather than the other way around.
Yes, often. Tando is known for placing cases that other brokers walk away from, including fit-out firms with recent bounced payments or credit issues. The lenders on the panel look at the wider trading picture, including the customer base and forward orders, not just the bank history. It is worth talking through your specific setup before assuming anything is off the table.
Yes. Design and build companies invoice in a similar way to traditional fit-out, with stage payments and final accounts. The same lenders will consider design and build firms, especially where the customer base is commercial. Tando matches you to the lender that best fits your contract structure. The right structure depends on your customers and your billing pattern.
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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.’
