Flooring materials, adhesives, and skilled labour all need paying before the customer settles. Invoice finance releases the cash within days.
For flooring contractors, invoice finance means turning unpaid invoices into working cash within days, rather than waiting for the customer's payment cycle to run. Vinyl, hardwood, carpet, screeds, and adhesives all need ordering in advance. Skilled fitters expect to be paid on time. Customers, particularly on commercial fit-outs, often take 30 to 60 days to settle. 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 pays, less the lender's fees. The facility scales as your turnover grows, which means taking on bigger projects does not put cash flow under more pressure. For flooring contractors balancing commercial fit-out and new-build, the steady cash recycle is what allows you to plan with confidence.
Flooring contractors typically feel cash pressure from a familiar set of patterns that show up on commercial and new-build work alike. Stacked together, they put steady pressure on cash flow even when the order book is healthy.
Tando Capital is a UK commercial finance brokerage based in Essex, NACFB accredited and working with FCA-regulated lenders only. Each flooring contractor case is handled by a dedicated account manager, and decisions usually come back inside 3 to 5 days, sometimes within hours.
For example, a flooring contractor with £70k of invoices across two main contractors and a developer could potentially release the bulk of that cash within days, rather than waiting on each customer's monthly 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. Supply only, fit only, and supply and fit invoices can all be funded once it is raised to a commercial customer. Lenders look at the customer and the certainty of the invoice rather than the specific scope of work. Your account manager will confirm the detail. The detail tends to matter more than the headline numbers, which is why a conversation helps.
Domestic customers are usually not eligible because the relationship is short and the values too low. Invoice finance suits commercial customers, main contractors, developers, and businesses. A mixed book is fine, and the facility funds the commercial portion. Tando will confirm what fits when reviewing your debtor list. Tando's role is to match the right lender to your shape of business rather than the other way around.
Disputed invoices are usually not funded until the dispute is resolved. The lender funds clean, agreed invoices. Most flooring contractors have plenty of clean billing alongside any live disputes, so the facility still gives meaningful cash flow benefit. Your account manager will review your debtor profile upfront. It is worth talking through your specific setup before assuming anything is off the table.
Yes, in many cases. Tando is known for placing trades businesses with CCJs, bad credit, or past bounced payments. The lenders on the panel weigh up the wider picture, including customer base and forward orders, rather than ruling out applicants based on the credit file alone. The right structure depends on your customers and your billing pattern.
Overdrafts are fixed in size and reviewed periodically by the bank, sometimes withdrawn at short notice. Invoice finance scales with your billing, so the funding line grows as you grow. Many flooring contractors find invoice finance more flexible and more predictable than relying on an overdraft. A short conversation usually clarifies what is actually possible for your business.
Typically the last 12 months of accounts, recent management accounts, an aged debtor report, bank statements, and details of the main customers. Tando guides you through the list so the application moves quickly. Most flooring contractors can pull this together within a week or two. Your account manager will walk through the detail before anything is committed to.
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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.’
