Supermarket terms tie your cash up for months. Release the value of your invoices and keep ingredients, production lines, and seasonal stock fully funded.
Food and drink manufacturers face a brutal cash flow squeeze. Ingredients, packaging, and energy are paid for upfront, production runs to tight schedules, and then the big buyers, supermarkets and national wholesalers, settle on long terms while holding most of the negotiating power. Working capital sits frozen for months even when the order book is full.
Invoice finance unlocks the cash held in those unpaid invoices within a day or two of dispatch, rather than waiting 60 or 90 days for a retailer to pay. That money keeps ingredient suppliers happy, funds the next production run, and lets you build stock ahead of seasonal peaks like Christmas or summer. For food and drink producers balancing perishable inputs against slow-paying buyers, the predictability is what makes the facility valuable.
The food and drink sector runs on thin margins and long buyer terms, and the pressure tends to stack up across the whole operation at once. On thin margins, even a short delay in payment is felt across the whole operation.
Tando Capital is a human-led brokerage arranging invoice finance through FCA-regulated lenders, with a dedicated account manager who understands the long terms food and drink producers are forced to accept. Decisions usually land within 3 to 5 days, and sometimes within hours, so a seasonal stock build is not held back by funding.
For example, a drinks manufacturer with £300k tied up in supermarket invoices on 75 day terms could potentially use a facility like this to release most of that value within days of delivery, funding the next ingredient order without strain.
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.
Most food and drink producers receive an initial decision within 3 to 5 working days, and sometimes the same day. Because Tando works across a panel of FCA-regulated lenders, your account manager can match your buyer profile and ledger to the lender most likely to approve quickly. First drawdown normally follows soon after the facility is set up.
Often yes. The funding is secured against your unpaid invoices, so lenders weigh the strength of your customers more heavily than your credit history. Many food and drink producers sell to large, reliable buyers, which works in their favour. Tando regularly places businesses that have had judgments or bounced payments by matching them to lenders comfortable with that situation.
Yes, and it is one of the most common reasons food and drink manufacturers use it. Supermarkets and national accounts often pay on 60 to 90 day terms, which locks cash away. Invoice finance releases most of that value within a day or two of delivery, so the long terms no longer dictate how much you can produce or how fast you can grow.
It can ease the pressure considerably. As your invoicing grows during a busy run-up to a seasonal peak, the facility releases more cash, helping fund the ingredients and packaging needed to build stock ahead of demand. For very large seasonal swings, a combined facility may suit better, and your account manager will recommend the right structure for your pattern.
Only if you choose a disclosed facility. With confidential invoice discounting, your buyers pay you as normal and the arrangement stays private, which most food and drink producers prefer when dealing with major accounts. With factoring, the lender manages collections. Tando will walk through which option protects your customer relationships best before anything is agreed.
Tando works best with producers turning over £200k or more a year, with facilities typically structured between £75k and £500k. The exact figure depends on your sales ledger, who your customers are, and the payment terms they impose. Because the facility scales with invoicing, the available funding rises as your order book and turnover grow through the year.
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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.
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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.’
