Plant, fuel, and labour costs hit before the invoice is even raised. Invoice finance keeps cash flowing while you wait for valuations to be paid.
Invoice finance for groundworks contractors is a funding facility that lets you draw down most of the value of an unpaid invoice or certified application within days, rather than waiting the usual 60 to 90 days for the main contractor to pay. The lender advances an agreed percentage of the invoice value upfront, and releases the rest once your customer settles.
For groundworks businesses, where plant hire, diesel, and wages all need paying before the next valuation lands, this kind of facility takes the constant cash pressure off and lets you take on bigger or longer jobs without overstretching. For groundworks businesses with several gangs on the road at once, that predictability is what keeps the operation profitable. The setup is well suited to the deposit-heavy, plant-heavy reality of running groundworks projects across multiple sites.
Groundworks contractors face cash flow pressure that builds up quickly because so many costs land before any payment comes in. The pressure builds up across every active site at the same time.
Tando Capital is a human-led brokerage, which means you deal with a dedicated account manager who actually understands groundworks cash flow rather than a generic call centre or an automated form. Funding decisions usually come back within 3 to 5 days, and sometimes within hours, so you can plan rather than guess.
For example, a groundworks contractor sitting on three certified valuations totalling £180k could potentially release the majority of that value within days of each one being approved, rather than waiting two or three months for payment.
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, in many cases. Tando regularly places groundworks businesses with credit issues, CCJs, or past bounced payments. Lenders look at the strength of the debtor book and forward orders rather than just historical credit. A conversation costs nothing and often shows what is actually possible. Your account manager will walk through the detail before anything is committed to.
Typically between 80 and 90 per cent of the invoice value is advanced once the invoice is raised, with the balance released after the customer pays. The exact percentage depends on the lender and the customer profile. Tando will model the numbers with you upfront so there are no surprises.
Limited companies are the most common fit, but sole traders and partnerships can be considered too, particularly if turnover is at the £200k level or above. Your dedicated account manager will run through the structure of your business and match you to a lender that fits. Each business is different, so the lender match is tailored rather than off the shelf.
Yes, this is called single invoice finance or selective invoice finance, and several lenders offer it. You pick the invoices or customers you want to fund, rather than the whole debtor book. It is useful for groundworks firms with one or two large main contractors driving most of the billing.
Invoice finance fees usually break down into a service fee, charged as a small percentage of turnover, and a discount fee on the funds drawn down. The exact rates depend on volume, customer quality, and the lender. Tando lays the full cost out clearly before you commit to anything. The aim is a facility that fits your actual cash flow pattern, not a templated one.
Once the facility is set up, drawdowns are usually available the same day an invoice is uploaded or within 24 hours. Setting up the facility itself typically takes 2 to 4 weeks from first conversation. A dedicated account manager keeps the process moving rather than letting it stall. The detail tends to matter more than the headline numbers, which is why a conversation helps.
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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.’
