Materials are paid for upfront and buyers pay slowly. Release the cash held in your invoices and keep timber, production, and delivery funded.
Furniture manufacturers tie up cash from the moment an order is confirmed. Timber, foam, fabric, and fittings are paid for upfront, made-to-order pieces run through production over weeks, and then retail and contract buyers, including hospitality and office fit-out clients, settle on long terms. The gap between buying materials and getting paid can stretch across a whole production cycle.
Invoice finance releases most of an invoice value within a day or two of dispatch, rather than waiting months for a buyer to pay. That cash funds the next material order, covers wages, and lets you take on larger contract jobs without overdraft strain. For manufacturers balancing made-to-order work against slow-paying retail and contract clients, the steady cash recycle is what makes the model sustainable through the year.
Furniture production locks up working capital across materials, labour, and delivery while buyers take their time to pay. Cash is committed at the start of every order and only returns once a slow buyer finally pays.
Tando Capital is a human-led brokerage arranging invoice finance through FCA-regulated lenders, with a dedicated account manager who understands made-to-order production timelines. Decisions usually come back within 3 to 5 days, and sometimes within hours, so a material order or contract job is not held up by funding.
For example, a furniture manufacturer with £220k of invoices out to contract clients on long terms could potentially use a facility like this to release most of that cash within days of delivery, funding the next timber order immediately.
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 furniture manufacturers get an initial decision within 3 to 5 working days, and sometimes the same day. Tando works across a panel of FCA-regulated lenders, so your account manager can match your retail and contract buyer profile to the lender most likely to approve quickly. The first drawdown usually follows soon after the facility is set up.
Not on its own. Invoice finance is secured against your unpaid invoices, so lenders focus on the strength of your customers and ledger more than your credit score. Tando regularly places furniture makers that have had county court judgments or bounced payments by matching them to lenders comfortable with that profile rather than turning them away.
Yes. Invoice finance releases cash once you raise an invoice, so it suits made-to-order work where production runs for weeks before billing. As soon as a piece is delivered and invoiced, most of the value can be drawn down, rather than waiting for the buyer to pay on long terms. That keeps materials and wages funded between confirmed orders.
Facilities are usually structured between £75k and £500k and scale with your sales ledger rather than sitting at a fixed cap. As invoicing grows, the available funding grows alongside it. Tando works best with manufacturers turning over £200k or more a year, and the exact limit depends on your customer base, payment terms, and how the ledger is spread.
Only if you choose a disclosed facility. With confidential invoice discounting, your buyers pay you as normal and the arrangement stays private. With factoring, the lender manages collections, which can save admin time during busy periods. Tando will talk through which option suits your buyer relationships before anything is set up, so you stay in control.
Once a lender approves your facility, setup usually takes a few days to complete paperwork and verification, after which the first drawdown can follow quickly. The whole process from first conversation to funding often runs within a couple of weeks. Your account manager keeps things moving and chases the lender, so you are not left waiting longer than necessary.
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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.’
