Cabinets, tiles, sanitaryware, and skilled fitters all come out of your pocket first. Invoice finance gets the cash back in your account within days.
Invoice finance is right for kitchen and bathroom fitters when most of the work is commercial or trade rather than direct domestic, and when payment terms stretch out across each project. Cabinets, worktops, tiles, sanitaryware, and labour all need funding before the invoice goes out. Developers, main contractors, and commercial customers often take 30 to 60 days to pay. Invoice finance closes that gap.
An agreed percentage of each invoice is advanced as soon as it is raised, with the balance released when the customer settles. The facility scales with turnover, so taking on bigger developer contracts or commercial fit-out work does not pull the business under cash pressure. For kitchen and bathroom fitters working with developers and main contractors, the cash recycle keeps the workshop and the site teams running in step.
Kitchen and bathroom fitters tend to face cash flow pressure across a familiar set of issues, particularly when the customer base is commercial rather than retail. The combined effect is steady cash flow strain even when the project pipeline looks healthy.
Tando Capital is a human-led brokerage based in Essex, NACFB accredited, with a panel of FCA-regulated lenders. Each kitchen or bathroom fitting business deals with a dedicated account manager throughout, and most decisions come back inside 3 to 5 days, sometimes within hours.
For example, a kitchen and bathroom fitter with £90k of unpaid invoices across two developers and a main contractor could potentially release the bulk of that cash within days, rather than waiting on each customer's monthly pay run.
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. Developer billing is well suited to invoice finance, particularly where there are stage payments or completion-based invoicing. Lenders look at the certainty of the invoice and the customer's payment record. Tando matches you to a lender comfortable with developer customers and the way they typically pay. The detail tends to matter more than the headline numbers, which is why a conversation helps.
Domestic and retail customers are usually not eligible because the relationship is short and the values low. Commercial customers, developers, and main contractors are funded. A mixed book is fine, with the facility covering the commercial portion. Your account manager will confirm what fits. Tando's role is to match the right lender to your shape of business rather than the other way around.
Yes, often. Tando is known for placing trades businesses with credit issues, CCJs, or past bounced payments. The lenders on the panel weigh up the wider picture, including customer quality and forward orders, rather than ruling applicants out based on the credit file alone. It is worth talking through your specific setup before assuming anything is off the table.
No. Suppliers and merchants have no visibility of invoice finance arrangements, particularly with confidential invoice discounting. The facility relates only to your customer invoicing. Your supplier credit terms continue as today, and in some cases improve as cash flow stabilises. The right structure depends on your customers and your billing pattern.
Most decisions come back within 3 to 5 working days. In some cases, where the paperwork is ready and the customer base is clean, decisions arrive within hours. A dedicated account manager keeps the application moving rather than letting it sit in a queue. A short conversation usually clarifies what is actually possible for your business.
Typically the last 12 months of accounts, recent management accounts, an aged debtor report, bank statements, and details of the main customers. Tando guides you through the list so nothing is missed and the application moves at pace. Most fitters can pull this together within a week or two. Your account manager will walk through the detail before anything is committed to.
Real Businesses, real support,
real results
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.’
