Stop waiting 60 to 90 days for payment. Release the cash tied up in your sales ledger and keep raw materials, production, and wages funded.
Manufacturers carry one of the longest cash flow gaps in business. Raw materials, energy, and labour have to be paid for long before the finished goods are shipped, and then most customers settle on 60 or 90 day terms. That leaves working capital frozen inside the sales ledger at exactly the moment a large purchase order needs funding.
Invoice finance releases the majority of an invoice value within a day or two of raising it, rather than months later. That cash can cover the next material run, a wage bill, or a bulk order that would otherwise be turned down. It is one of the most practical funding tools for any UK manufacturer growing past the £200k turnover mark, because the facility scales with sales rather than sitting at a fixed limit.
Manufacturing cash flow gets squeezed from several directions at once, and most of it comes down to paying out before the money comes back in. None of it waits for the customer to settle, which is where the strain shows.
Tando Capital is a human-led brokerage that arranges invoice finance through FCA-regulated lenders, with a dedicated account manager handling your case from start to finish. Decisions usually come back within 3 to 5 days, and sometimes within hours, so production planning is not held up while you wait.
For example, a manufacturer with £350k of invoices sitting on 75 day terms could potentially use a facility like this to release most of that cash within days of shipping, freeing capital for the next production 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.
Most manufacturers get an initial decision within 3 to 5 working days, and in some cases the same day. Tando works through a panel of FCA-regulated lenders, so your account manager can match your sales ledger and customer profile to the lender most likely to say yes quickly. Once approved, the first drawdown usually follows shortly after the facility is set up.
Not necessarily. Invoice finance is secured against the value of your unpaid invoices rather than your credit score alone, so lenders focus on the strength of your customers and your sales ledger. Tando regularly places businesses that have had county court judgments, bounced payments, or a difficult trading year, by matching them to lenders comfortable with that profile rather than turning them away.
Facilities are typically structured between £75k and £500k, and they scale with your sales ledger rather than sitting at a fixed cap. As your 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 across buyers.
Standard invoice finance releases cash once an invoice is raised, so it helps after goods ship rather than before. For funding raw materials ahead of a large order, trade finance or a combined facility can sit alongside it. Your account manager will look at the full picture and recommend the right structure, rather than forcing a single product to fit every situation.
That depends on the type of facility. With invoice discounting the arrangement stays confidential and your customers pay you as normal, which suits manufacturers who want to keep collections in-house. With factoring the lender manages collections, which can save admin time. Tando will talk through which option fits your customer relationships before anything is set up.
Usually recent management accounts, an aged debtors report showing who owes what, bank statements, and details of your main customers and payment terms. Having these ready speeds the process up, but Tando can begin a conversation and indicative quote before everything is gathered. The aim is to keep the paperwork proportionate rather than burying you in forms.
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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.’
