Steel prices swing, lead times are long, and customers pay slowly. Invoice finance releases cash from your billing so production never stalls.
Invoice finance works for steelwork and fabrication businesses by advancing most of the value of a confirmed invoice within days of it being raised. Steel, welding consumables, finishing, and skilled labour all need paying before the customer settles. Invoice finance closes that gap, releasing cash from billing while the customer's payment terms run.
For fabricators running multiple workshop jobs and site installs at once, that means you can keep buying material, paying welders, and quoting new work without watching cash balances drift downward. The facility scales with turnover, so the funding line grows as the order book expands. For UK fabricators with both workshop and site billing, the facility helps keep both sides of the operation funded without strain. That makes invoice finance one of the most practical funding routes for fabrication businesses growing past the £200k turnover mark.
Payment delays in steelwork and fabrication tend to come from a mix of contract terms, supply chain pressure, and project complexity. Together, these create a working capital pinch that limits how much new work you can take on.
Tando Capital is a UK brokerage based in Essex, NACFB accredited, with a panel of FCA-regulated lenders that understand the rhythms of steel fabrication. Each case is handled by a dedicated account manager, and decisions typically come back inside 3 to 5 days, sometimes within hours.
For example, a steelwork contractor with £200k of unpaid invoices across two main contractors and a developer could potentially release the bulk of that cash within days, rather than waiting two months for each one to settle.
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. Many lenders fund milestone or stage invoices once the milestone has been confirmed. The structure of the contract matters more than the type of fabrication. Tando matches you to a lender that recognises your billing pattern rather than forcing your invoicing to fit a lender's preference. A short conversation usually clarifies what is actually possible for your business.
Yes. Single customer concentration is common in fabrication and several lenders are happy with it, particularly if the customer is creditworthy. Selective or single invoice finance is also an option. Your account manager will model the structure that fits your customer profile. Your account manager will walk through the detail before anything is committed to.
Often yes. Tando is known for placing fabrication businesses with credit issues, CCJs, or bounced payment history. The lenders on the panel weigh up the order book and customer quality rather than focusing only on historical credit data. A short conversation usually shows what is realistic. Each business is different, so the lender match is tailored rather than off the shelf.
Costs split into a service fee, charged as a small percentage of turnover, and a discount fee on funds drawn. The exact rates depend on volume, customer quality, and the lender. Tando sets out the full cost picture upfront so there are no surprises after the facility is live. The aim is a facility that fits your actual cash flow pattern, not a templated one.
No. Steel suppliers and merchants have no visibility of invoice finance arrangements, particularly with confidential invoice discounting. Your supplier credit limits and terms continue as they do today. Some fabricators find their cash position improves enough that suppliers actually extend credit further. The detail tends to matter more than the headline numbers, which is why a conversation helps.
Typically 2 to 4 weeks from first conversation to drawdown. Decisions in principle usually come back inside 3 to 5 days. Once the facility is live, drawdowns are usually available the same day an invoice is uploaded or within 24 hours. Your account manager keeps the timeline moving. Tando's role is to match the right lender to your shape of business rather than the other way around.
Real Businesses, real support,
real results
connecting businesses with real experts, not automated systems.
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.’
