Hire periods stretch, payments lag, and your kit is tied up on sites for weeks. Invoice finance turns those invoices into working cash within days.
For scaffolding companies, invoice finance works by advancing most of the value of an invoice the moment it is raised. Instead of waiting 30, 60, or 90 days for the main contractor to settle, you draw down an agreed percentage as soon as the invoice goes out. The balance is released when the customer pays, less the lender's fees.
That matters because scaffolding businesses carry a lot of cost in kit, transport, and erectors' wages, and those costs do not pause while you wait for payment. Invoice finance keeps the next job mobilisable without raiding reserves or pushing back on suppliers. For scaffolding firms operating in a busy region, the ability to recycle cash within days rather than weeks transforms the operation.
Cash flow strain in scaffolding usually comes from the combination of long hire periods, slow-paying main contractors, and high upfront costs to mobilise.
Tando Capital is human-led, which means you talk to a dedicated account manager who knows what a scaffolding contract actually looks like, rather than a generic chatbot or call centre. Decisions usually come back inside 3 to 5 days, sometimes within hours, and Tando works only with FCA-regulated lenders through its NACFB-accredited brokerage.
For example, a scaffolding company with £200k of hire and labour invoices spread across several sites could potentially use a facility like this to release most of that value within days of billing, rather than waiting months.
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, most lenders treat hire and erection invoices the same way as any other commercial invoice. As long as the work has been done and the invoice is valid, it can be funded. Tando matches you to a lender that understands how scaffolding contracts mix one-off and recurring charges. Your account manager will walk through the detail before anything is committed to.
Ninety day terms are common in construction and most invoice finance lenders are set up to handle them. You still draw down most of the invoice value within days of raising it, so the customer's payment terms stop being the thing that controls your cash flow. Each business is different, so the lender match is tailored rather than off the shelf.
Some lenders prefer a spread of customers across the debtor book, but others are happy with one or two main contractors driving the billing. Single invoice finance is also available, where you fund specific invoices rather than the whole book. Tando will match you to a lender that fits. The aim is a facility that fits your actual cash flow pattern, not a templated one.
Confidential invoice discounting keeps the arrangement private, so main contractors pay you as normal and have no visibility of the facility. Disclosed factoring means they pay into the lender's account. Both options exist. Your account manager will help you decide which suits your customer base. The detail tends to matter more than the headline numbers, which is why a conversation helps.
Often yes. Tando is well known for placing higher-risk cases, including businesses with bounced payments, CCJs, or bad credit. The lenders on the panel look at the wider trading picture, including the strength of the customers you invoice and the forward order book. Tando's role is to match the right lender to your shape of business rather than the other way around.
There is no rigid minimum, but the sweet spot for Tando's lender panel is businesses turning over £200,000 or more with facilities typically between £75,000 and £500,000. Smaller firms can sometimes be considered if the debtor book and forward orders are strong. It is worth talking through your specific setup before assuming anything is off the table.
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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.’
