Paint, materials, and crews all need paying long before the customer settles. Invoice finance releases the cash from your invoices within days.
Invoice finance is a funding facility that releases most of the value of a confirmed invoice within days of it being raised. For painting and decorating contractors, that means the gap between buying paint, paying decorators, and collecting from the customer stops being a constant cash drain. The lender advances an agreed percentage upfront and releases the rest once the customer pays.
It is a flexible facility that scales with your billing, so as you take on bigger jobs or more sites at once, the funding line keeps pace. There is no need to keep extending an overdraft or asking suppliers for credit terms you would rather not push. For painting and decorating contractors with mixed commercial customers, the flexibility means you can move from job to job without cash flow strain.
Painting and decorating contractors deal with payment pressure that builds up across multiple sites and customer types at once. Each pressure point alone is workable. Together, they make growth feel harder than it should.
Tando Capital is a human-led brokerage with a dedicated account manager handling each case personally. The firm is NACFB accredited and works only with FCA-regulated lenders. Most decisions come back inside 3 to 5 days, and in some cases within hours, so you can plan around real numbers rather than guesses.
For example, a painting and decorating firm with £80k of invoices spread across two main contractors could potentially release most of that value within days, rather than waiting for each one to clear at the end of the month.
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.
There is no hard minimum, but the sweet spot for Tando's lender panel is businesses turning over £200,000 or more, with facilities typically between £75,000 and £500,000. Smaller painting and decorating firms can sometimes be considered, particularly if the debtor book and forward orders are strong. A short conversation usually clarifies what is actually possible for your business.
Often yes. Tando is known for placing painting and decorating contractors and other trades with bad credit, CCJs, or past bounced payments. The lenders on the panel look at the wider trading picture, including the strength of your customers, not just historical credit data. Your account manager will walk through the detail before anything is committed to.
Paint suppliers are not part of the arrangement and usually have no visibility of it. Invoice finance sits between you, the lender, and the customer being invoiced. It does not appear on your supplier accounts or affect your credit terms with merchants. Each business is different, so the lender match is tailored rather than off the shelf.
Commercial invoices are usually fundable. Domestic customers are typically not, because relationships are short and values small. A mixed book is fine, and the facility funds the commercial portion. Your account manager will run through your debtor list and confirm what fits. The aim is a facility that fits your actual cash flow pattern, not a templated one.
From first conversation to drawdown is typically 2 to 4 weeks. Decisions in principle usually come back inside 3 to 5 days, often faster for clean cases. The pace depends on how quickly the paperwork comes together. A dedicated account manager keeps the process moving rather than letting it stall.
Most facilities have a notice period, typically 3 to 6 months, after an initial term. Tando explains the exit terms in plain language before you sign anything, so the deal does not box you in. If circumstances change, your account manager will help you review the structure. The detail tends to matter more than the headline numbers, which is why a conversation helps.
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.’
