Polymer prices swing and big clients pay slowly. Release the cash in your invoices and keep material, tooling, and production fully funded.
Plastics and packaging manufacturers run on high volume and thin margins, which makes cash flow timing critical. Polymer and resin costs are linked to oil prices and paid for upfront, tooling demands investment, and then large FMCG and retail clients settle on extended terms. A single slow-paying account can lock up the working capital a whole production line depends on.
Invoice finance releases most of an invoice value within a day or two of dispatch, rather than waiting 60 or 90 days. That cash funds the next resin order, covers running costs, and lets you commit to volume contracts with confidence. For manufacturers where margins are tight and material prices move quickly, the steady cash recycle is what keeps the lines running and the order book growing.
The plastics and packaging sector ties up capital across materials and equipment while customers pay slowly, and the strain stacks up fast. On low margins and high volume, that timing gap quickly turns into a real working capital problem.
Tando Capital is a human-led brokerage arranging invoice finance through FCA-regulated lenders, with a dedicated account manager who understands the volume and margin pressures in packaging. Decisions usually land within 3 to 5 days, and sometimes within hours, so a resin order or volume contract is not held up by funding.
For example, a packaging manufacturer with £400k tied up in FMCG invoices on long terms could potentially use a facility like this to release most of that value within days of delivery, funding the next polymer order without dipping into reserves.
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 plastics and packaging manufacturers receive an initial decision within 3 to 5 working days, and sometimes the same day. Because Tando works across a panel of FCA-regulated lenders, your account manager can match your client base and ledger to the lender most likely to approve quickly. The first drawdown normally follows soon after the facility is set up.
Often yes. The funding is secured against your unpaid invoices, so lenders weigh the strength of your customers more heavily than your credit history. Many packaging manufacturers supply large, reliable FMCG and retail clients, which helps. Tando regularly places businesses that have had judgments or bounced payments by matching them to lenders comfortable with that situation.
Invoice finance does not fix material prices, but it makes the cash to buy materials available sooner. By releasing most of an invoice value within a day or two of dispatch, it gives you working capital to commit to resin orders when timing matters, rather than waiting on slow-paying clients. That flexibility is valuable when input costs can swing month to month.
Most facilities advance around 80 to 90 percent of an invoice value within a day or two of raising it, with the balance paid when the customer settles, minus the agreed fee. The exact rate depends on your clients and the lender chosen. Your account manager confirms the advance percentage before you commit, so the numbers are clear from the start.
Only with a disclosed facility. Confidential invoice discounting keeps the arrangement private and your clients pay you as normal, which most packaging manufacturers prefer when supplying major accounts. With factoring, the lender manages collections and saves admin time. Tando will explain both routes and help you choose the one that protects your client relationships best.
Tando works best with manufacturers turning over £200k or more a year, with facilities typically structured between £75k and £500k. The funding scales with your sales ledger, so available cash rises as your invoicing grows. The exact limit depends on your client base, the payment terms they impose, and how the ledger is spread across different 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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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.’
