Insulation materials, sub-contracted crews, and surveys all cost real money before billing. Invoice finance keeps cash flowing across every project.
Insulation contractors gain from invoice finance by turning unpaid invoices into working cash within days, rather than weeks. Cavity wall, loft, external wall, and acoustic insulation work all involve material orders, surveys, and skilled crews that need funding upfront. The customer, often a main contractor, developer, or scheme manager, then takes 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, with the balance released once the customer pays. The facility scales with turnover, so growing the business through more retrofit work or commercial contracts does not put cash flow under pressure. For insulation contractors active on retrofit schemes and main contractor work, the cash recycle is what keeps the next job mobilising on time.
Insulation contractors tend to face cash flow strain because of how scheme-funded and main contractor work is paid out. The combined effect is working capital stretched across multiple live jobs at once.
Tando Capital is a UK commercial finance brokerage, NACFB accredited, with a panel of FCA-regulated lenders. Insulation contractors get a dedicated account manager who handles their case personally, and decisions typically come back within 3 to 5 days, sometimes within hours.
For example, an insulation contractor with £80k of invoices across two scheme managers and a retrofit main contractor could potentially release the majority of that cash within days, rather than waiting weeks for each one to settle. Insulation contractors using the facility consistently tend to find they can accept larger retrofit and scheme contracts with more confidence, because cash flow stops being the constraint.
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. Scheme-funded work can be more complex because of audits and paperwork, but lenders that understand the sector are happy to fund qualifying invoices. Tando matches you to a lender with experience of scheme-funded retrofit work rather than putting you in front of one that does not get it.
Yes, often. Tando regularly places insulation contractors and other trades businesses with CCJs, bad credit, or bounced payment history. The lenders on the panel weigh up the wider trading picture, including customer quality and forward orders, rather than focusing only on the credit file. Your account manager will walk through the detail before anything is committed to.
Lenders fund invoices once they are agreed and accepted by the customer. If QA or audit processes delay acceptance, funding tends to follow that timetable. Your account manager will work with you on how invoices are structured and timed, so the facility actually delivers cash flow benefit rather than just sitting idle.
It depends on what you need the cash for. Invoice finance is best for working capital tied to billing. A business loan suits one-off costs like a vehicle, plant, or premises. Many insulation contractors use both. Tando arranges either, or a combination, depending on what the business needs. Each business is different, so the lender match is tailored rather than off the shelf.
Pricing typically splits into a service fee, charged as a small percentage of turnover, and a discount fee on funds drawn down. The exact rates depend on volume, customer quality, and the lender. Tando sets the full cost picture out before you commit so there are no surprises on day one.
Confidential invoice discounting keeps the arrangement private, so main contractors pay you as normal and the facility stays invisible to them. Disclosed factoring means they pay the lender directly. Both options exist. Your account manager will recommend the right one for your customer relationships. The aim is a facility that fits your actual cash flow pattern, not a templated one.
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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.’
