Materials, scaffolders, and labour all need paying before the customer settles. Invoice finance puts cash from your invoices in the bank within days.
Invoice finance suits roofing contractors because the cost of a job lands long before the invoice is paid. Tiles, slates, membranes, scaffolding, and a full crew on site all need funding upfront, and main contractors or developers often take 30 to 60 days to settle after you have finished. That mismatch makes it hard to take on the next job without dipping into reserves.
With invoice finance, an agreed percentage of each invoice is released as soon as it is raised. The remaining balance comes through once the customer pays, less the lender's fees. The facility scales with your billing, so taking on bigger contracts does not mean stretching your bank account thinner. For most UK roofing contractors operating across both commercial and new-build work, that flexibility is the main draw.
Roofing payment delays usually come from a combination of contract terms, weather, and the supply chain rather than any one issue.
Tando Capital is a UK commercial finance brokerage, NACFB accredited, with a panel of FCA-regulated lenders that understand how roofing businesses actually invoice. You get a dedicated account manager who handles your case personally, with decisions typically inside 3 to 5 days and sometimes within hours.
For example, a roofing contractor with £120k of unpaid invoices across several recent jobs could potentially release most of that cash within days, rather than waiting weeks for each customer to pay.
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 roofing firms can be considered, particularly if turnover is approaching the £200k level. The strength of the debtor book and forward orders matters more than headcount or fleet size. Tando matches the lender to your size of business rather than forcing one model on every applicant. Tando's role is to match the right lender to your shape of business rather than the other way around.
Yes. Tando is known for working with businesses that other brokers turn away, including roofing firms with CCJs, bad credit, or bounced payments. The lenders on the panel weigh up the wider trading picture and the quality of the customers you invoice, not just your credit file. It is worth talking through your specific setup before assuming anything is off the table.
Stage payments are invoiced like any other completed work, and each stage invoice can be funded once it is raised. Lenders look at how the contract is structured and what proportion of each stage you can draw against. Your account manager will walk through the detail before anything is signed.
Invoice finance is secured against the invoices themselves rather than property, which is one of its main advantages. Some lenders ask for a personal guarantee from directors, but it does not usually involve charging your home. Tando will explain exactly what is being asked before you commit. The right structure depends on your customers and your billing pattern.
If a customer fails to pay, the funded amount usually has to be repaid or recharged against future invoices. Some facilities include bad debt protection, which insures against this risk. Tando will recommend the right structure based on your customer base and risk appetite. A short conversation usually clarifies what is actually possible for your business.
Tando is a brokerage, so the firm is paid by the lender on completion rather than charging you a separate fee in most cases. Any costs are made clear upfront before you commit. The lender's own fees, such as service and discount charges, are set out in the facility agreement.
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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.’
