Steel is paid for upfront and contractors pay slowly. Release the cash in your invoices and keep material, labour, and workshop overheads funded.
Metal fabrication businesses sink large sums into every job before any money returns. Steel and raw metal are bought at volatile prices and paid for upfront, bespoke work runs through the workshop, and then main contractors or OEM customers settle on long terms, sometimes after inspection or certification delays. Cash sits frozen in work that is already finished.
Invoice finance releases most of an invoice value within a day or two of raising it, rather than weeks or months later. That cash covers the next steel order, funds the workshop wage bill, and lets you take on bigger contracts without overdraft pressure. For fabricators billing across both workshop production and on-site work, the facility keeps both sides of the operation funded while customers take their time to pay.
Fabrication cash flow gets pinched from several directions, and most of it traces back to paying for steel long before customers pay you. The result is cash locked in finished work while the next steel order waits to be placed.
Tando Capital is a human-led brokerage arranging invoice finance through FCA-regulated lenders, with a dedicated account manager handling your case throughout. Decisions usually come back within 3 to 5 days, and sometimes within hours, so a steel order or wage run is not left waiting on a slow-paying contractor.
For example, a fabrication company with £280k of invoices waiting on contractor payment could potentially use a facility like this to release most of that cash within days of raising the invoice, funding the next steel delivery immediately.
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 fabricators get an initial decision within 3 to 5 working days, and sometimes the same day. Tando works across a panel of FCA-regulated lenders, so your account manager can match your contractor and OEM customer profile to the lender most likely to approve quickly. The first drawdown usually follows soon after the facility is set up.
Not on its own. Invoice finance is secured against the value of your unpaid invoices, so lenders focus on the strength of your customers and ledger more than your credit score. Tando regularly places fabrication businesses that have had county court judgments or bounced payments by matching them to lenders comfortable with that profile rather than refusing them.
Yes, and that is one of the main reasons fabricators use it. Main contractors and OEM buyers often pay on long terms with inspection or certification delays on top. Invoice finance releases most of the invoice value within a day or two of raising it, so the slow cycle no longer controls how much steel you can buy or how many jobs you can run.
Facilities are usually structured between £75k and £500k and scale with your sales ledger rather than sitting at a fixed cap. As your invoicing grows, the available funding grows with it. Tando works best with fabricators turning over £200k or more a year, and the exact limit depends on your customer base, payment terms, and how the ledger is spread.
That depends on the facility type. With confidential invoice discounting, your contractors and OEM buyers pay you as normal and the arrangement stays private. With factoring, the lender manages collections, which can save admin time. Tando will talk through which option suits your customer relationships before anything is set up, so you stay in control of how it looks.
Once a lender approves your facility, setup usually takes a few days to complete the paperwork and verification, after which the first drawdown can follow quickly. The whole process from first conversation to funding often runs within a couple of weeks. Your account manager keeps things moving and chases the lender so you are not left waiting longer than needed.
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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.’
