Compliance and testing cost upfront while wholesalers pay slowly. Release the cash in your invoices and keep production and regulation funded.
Pharmaceutical companies face long cash cycles built into how the sector works. Raw materials, quality control, batch testing, and regulatory compliance all cost money upfront and take time, and then buyers, including wholesalers and NHS-linked accounts, settle on extended terms. Working capital can sit frozen for months while product moves through testing, release, and distribution.
Invoice finance releases most of an invoice value within a day or two of raising it, rather than waiting for a slow institutional payment. That cash funds the next production batch, covers compliance and testing costs, and supports the working capital a regulated operation needs. For pharmaceutical businesses balancing heavy upfront investment against slow-paying institutional buyers, the facility smooths the gap between making product and getting paid for it.
The pharmaceutical sector loads costs at the front of every batch while institutional buyers pay slowly. Heavy upfront investment meets slow institutional payment, and working capital sits frozen in between.
Tando Capital is a human-led brokerage arranging invoice finance through FCA-regulated lenders, with a dedicated account manager who understands the long cycles in regulated production. Decisions usually come back within 3 to 5 days, and sometimes within hours, so a production batch is not held up while you wait on an institutional buyer.
For example, a pharmaceutical company with £380k of invoices out to wholesalers on long terms could potentially use a facility like this to release most of that cash within days of dispatch, funding the next batch and its compliance costs 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 pharmaceutical companies get an initial decision within 3 to 5 working days, and sometimes the same day. Tando works through a panel of FCA-regulated lenders, so your account manager can match your wholesaler and institutional buyer profile to the lender most likely to approve quickly. The first drawdown usually follows shortly after the facility is set up.
Yes, and it is a common reason pharmaceutical companies use it. Wholesalers and NHS-linked accounts often pay on long terms, which locks cash away for months. Invoice finance releases most of the invoice value within a day or two of dispatch, so the slow institutional cycle no longer dictates how much you can produce or how fast you can grow.
Often yes. The funding is secured against your unpaid invoices, so lenders focus on the quality of your customers and ledger rather than your credit score alone. Pharmaceutical buyers tend to be large and reliable, which works in your favour. Tando regularly places businesses that have had judgments or bounced payments by matching them to suitable lenders.
Only if you choose a disclosed facility. With confidential invoice discounting, your wholesalers and institutional buyers pay you as normal and the arrangement stays private. With factoring, the lender manages collections, saving admin time. Tando will explain both options so you can pick the one that keeps your buyer relationships exactly as they are.
Most facilities advance around 80 to 90 percent of an invoice value within a day or two of raising it, with the remainder released when the buyer pays, minus the agreed fee. The exact percentage depends on your customers and the lender. Your account manager confirms the advance rate before you commit, so the numbers are clear upfront.
Tando works best with companies turning over £200k or more a year, with facilities usually structured between £75k and £500k. The funding scales with your sales ledger, so available cash grows as your invoicing rises. The exact limit depends on your buyer base, the payment terms they set, and how the ledger is spread across accounts.
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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.
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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.’
