Boilers, pipework, and labour all come out of your pocket first. Invoice finance gets the cash back in your account within days of raising the invoice.
Invoice finance gives plumbing and heating companies a way to turn unpaid invoices into working cash within days. Boilers, copper, fittings, and labour all need paying before the customer settles, and on commercial or new-build work, settlement can take 30 to 60 days or longer. Invoice finance advances most of the invoice value upfront, with the balance released when the customer pays.
The result is a smoother cash flow, less reliance on overdrafts, and the ability to take on bigger contracts without worrying about how to bridge the payment gap. The facility grows alongside your billing, so it does not become a brake on the business. For plumbing and heating firms balancing new-build, commercial, and service contract revenue, the facility helps keep all three running smoothly.
Plumbing and heating businesses tend to feel cash flow pressure because the work is material-heavy and labour-heavy at the same time, with the customer at the end of a long payment chain.
Tando Capital is a brokerage, not a lender, which means the firm sits on your side of the table and shops the case across a panel of FCA-regulated lenders to find the right fit. You get a dedicated account manager, decisions usually inside 3 to 5 days, and a route to facilities that direct applications often miss.
For example, a plumbing and heating company with £100k of unpaid invoices across a developer and several end customers could potentially release the bulk of that within days, rather than waiting for each individual payment date.
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.
Yes, in many cases. Tando is known for working with businesses that other brokers turn down, including plumbing and heating firms with bad credit, CCJs, or recent bounced payments. The lenders on the panel look at the strength of the customer base and forward orders, not just the credit file.
Most commercial customers, developers, main contractors, housing associations, and businesses can be funded. Domestic householders are usually not eligible because the relationship is too short and the values too small. Tando reviews your debtor mix and confirms what will and will not work upfront. The detail tends to matter more than the headline numbers, which is why a conversation helps.
Yes, recurring service contracts can be funded as each invoice is raised. Some lenders specifically like service revenue because it is predictable. Your account manager will look at how your service billing is structured and match you to a lender that recognises that pattern. Tando's role is to match the right lender to your shape of business rather than the other way around.
Costs depend on volume, customer quality, and the lender, but typically split into a service fee charged as a small percentage of turnover and a discount fee on funds drawn. Tando lays the full numbers out before you commit so there is no surprise on day one or month six.
Yes. Invoice finance sits alongside your existing bank account and does not require you to switch banking. Some lenders prefer payments into a designated account they control, but your day-to-day banking continues as normal. Your account manager will explain how the flows work. It is worth talking through your specific setup before assuming anything is off the table.
Most facilities go from first conversation to drawdown in 2 to 4 weeks. Decisions in principle usually arrive inside 3 to 5 days, sometimes faster. The full timeline depends on how quickly accounts, debtor lists, and other paperwork come together. Your account manager keeps it moving. The right structure depends on your customers and your billing pattern.
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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.’
