Glass, frames, and installers all need paying before the customer settles. Invoice finance releases the cash sitting in your invoice book within days.
Invoice finance frees up cash for glazing companies by advancing most of the value of each invoice within days, rather than waiting for the customer's payment cycle. Glass units, frames, fittings, and skilled installers all need funding before any invoice can be raised. Customers, especially main contractors and commercial clients, can take 30 to 60 days to settle. Invoice finance closes that gap.
The facility scales with turnover, which means taking on bigger commercial projects, larger schemes, or more bespoke work does not strain cash flow. The cash line grows as billing grows, and the customer's payment terms stop being the thing that controls how fast you can operate. For glazing firms running both commercial and main contractor work, the steady cash recycle is what makes growth possible without overdraft pressure.
Payment terms create cash flow pressure for glazing companies because the work involves big material orders, skilled labour, and slow-paying commercial customers. Stacked together, they push cash flow into a constant catch-up cycle.
Tando Capital is a UK commercial finance brokerage, NACFB accredited, with a panel of FCA-regulated lenders that understand glazing and window businesses. Each case is handled by a dedicated account manager, and decisions usually come back inside 3 to 5 days, sometimes within hours.
For example, a glazing company with £120k of unpaid invoices across two main contractors and a commercial fit-out could potentially release the majority of that cash within days, rather than waiting on each customer's payment run. Glazing firms using the facility consistently tend to find they can quote on larger commercial schemes with more confidence, because the cash flow is no longer the limiting factor.
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. Big commercial schemes often involve stage payments, certified valuations, and slow main contractor payment. Most invoice finance lenders are set up for exactly that kind of billing. Tando matches you to a lender that recognises your specific contract structure rather than offering a one-size-fits-all facility. The aim is a facility that fits your actual cash flow pattern, not a templated one.
Yes, in many cases. Tando is well known for placing glazing companies and other trades businesses with CCJs, bad credit, or past bounced payments. The lenders on the panel weigh up the customer base and forward orders rather than focusing only on the historical credit picture. 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. Commercial customers, main contractors, developers, and businesses are funded. A mixed book is fine, and the facility covers the commercial portion. Your account manager will confirm the detail. Tando's role is to match the right lender to your shape of business rather than the other way around.
No. Glass and frame suppliers are not part of the invoice finance arrangement and usually have no visibility of it. Your supplier credit terms continue as today. Some glazing companies actually find their cash position improves enough that suppliers extend credit further. It is worth talking through your specific setup before assuming anything is off the table.
Most facilities sit between £75,000 and £500,000, suited to glazing firms turning over £200,000 or more. Larger facilities are possible for higher-turnover businesses with a strong debtor book. Tando will scope the right size before any commitment, so the facility matches actual billing rather than hopes. The right structure depends on your customers and your billing pattern.
Typically 2 to 4 weeks from first conversation to drawdown. Decisions in principle usually arrive inside 3 to 5 days. Your account manager keeps the application moving and prompts for the documents the lender needs. Most glazing companies can pull the paperwork together within a week or two. A short conversation usually clarifies what is actually possible for your business.
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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.
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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.’
