Plasterboard, beads, and labour costs land before any invoice goes out. Invoice finance turns billed work into cash within days, not weeks.
Plastering contractors benefit from invoice finance because the up-front cost of a job, including plasterboard, scrim, beads, and crew wages, hits well before the customer settles. Main contractors on new-build sites or developers on refurbs typically pay on 30 to 60 day terms. Invoice finance advances most of the invoice value within days of it being raised, with the balance released when the customer pays.
That means you can keep crews on site, order materials confidently, and take on the next phase or contract without waiting for the last one to clear. The facility flexes with billing, so growing the business does not stretch cash flow. For plastering contractors with two or three gangs active at a time, the ability to draw down quickly is what keeps the cycle running.
Long payment terms create a familiar squeeze for plastering contractors that mainly shows up in materials, labour, and timing. The combined effect is steady pressure on the bank balance every week.
Tando Capital is a UK commercial finance brokerage based in Essex, NACFB accredited and working only with FCA-regulated lenders. Plastering contractors deal with a dedicated account manager throughout, not an automated portal, and most decisions come back inside 3 to 5 days.
For example, a plastering contractor with £60k of unpaid invoices spread across two developers could potentially release most of that value within days of billing, rather than waiting on each customer's payment run. Plastering contractors who use the facility consistently tend to find that the cash flow rhythm becomes predictable enough to plan the next two or three jobs ahead with real confidence.
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.
Smaller firms can sometimes be considered, particularly if turnover is approaching the £200k mark and the customer base is solid. Tando matches you to a lender that fits the size and shape of your business rather than forcing one model on everyone. A short conversation usually clarifies what is possible.
Yes, in many cases. Tando is well known for placing trades businesses with bounced payments, CCJs, or bad credit. The lenders on the panel look at the wider picture, including the strength of your customers and forward order book, rather than focusing on a single credit event. Tando's role is to match the right lender to your shape of business rather than the other way around.
Factoring is one type of invoice finance, where the lender collects payments from your customer directly. Confidential invoice discounting is another, where you still collect and the arrangement stays private. Both have a place. Your account manager will explain which fits your customer base and preferences. It is worth talking through your specific setup before assuming anything is off the table.
No. Merchant accounts sit on the supplier side and have no visibility of any invoice finance arrangement. The facility relates only to the invoices you raise to your customers. Your relationship with builders' merchants continues exactly as it does today. The right structure depends on your customers and your billing pattern.
Typically 80 to 90 per cent of the invoice value is advanced once the invoice is raised. The exact figure depends on the lender, the customer profile, and the type of facility. Tando lays the numbers out clearly upfront so you know what you will actually have to work with.
Facilities typically have a notice period of 3 to 6 months after an initial term. Tando explains the exit terms before you sign, so the arrangement does not lock you in. If business circumstances change, your account manager will help review the structure and any options to wind it down.
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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.’
