Fabric is paid for upfront and retailers pay slowly. Release the cash held in your invoices and fund the next collection without waiting months.
Textile and clothing manufacturers carry heavy costs at the front of every order. Fabric, trims, and materials are bought and often imported well before production, samples are made, and a full collection is produced before a single retailer invoice is paid. Those retailers then settle on extended terms, leaving cash locked up across an entire season.
Invoice finance releases the bulk of an invoice value within a day or two of dispatch, instead of waiting for a buyer to pay. That cash funds the next fabric order, covers the wage bill, and lets production keep pace with seasonal cycles rather than stalling between collections. For manufacturers juggling imported materials, fast turnaround, and slow-paying retail buyers, the facility smooths out the gaps that would otherwise stop growth.
The textile and clothing trade ties up working capital at almost every stage, and the pressure builds across the whole season at once. By the time a retailer finally pays, the next season's materials already need ordering.
Tando Capital is a human-led brokerage arranging invoice finance through FCA-regulated lenders, with a dedicated account manager who understands the seasonal rhythm of textile and clothing production. Decisions usually come back within 3 to 5 days, and sometimes hours, so the next collection is not delayed by funding gaps.
For example, a clothing manufacturer with £250k of invoices out to retailers on long terms could potentially use a facility like this to release most of that cash within days of shipping, funding fabric for the next season immediately.
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 textile and clothing manufacturers receive an initial decision within 3 to 5 working days, and sometimes faster. Tando works through a panel of FCA-regulated lenders, so your account manager can match your retail buyer profile and ledger to the lender most likely to approve quickly. The first drawdown usually follows shortly after the facility is in place.
Standard invoice finance releases cash after you invoice, so it helps once goods ship rather than at the point of buying fabric. For funding imported materials upfront, trade or import finance can sit alongside the facility. Your account manager will look at the full cycle, from material purchase to retailer payment, and suggest the structure that fits your season.
Only if you opt for a disclosed facility. With confidential invoice discounting, your retail buyers pay you exactly as before and the arrangement stays private. With factoring, the lender handles collections, which can save admin during busy seasons. Tando will explain both routes and help you pick the one that keeps your brand and retail relationships intact.
A difficult year does not rule you out. Invoice finance is secured against your unpaid invoices, so lenders focus on the quality of your retail customers and ledger rather than past losses alone. Tando regularly places manufacturers that have had judgments, bounced payments, or a tough season, by matching them to lenders comfortable with that profile.
Most facilities advance around 80 to 90 percent of an invoice value within a day or two of raising it, with the balance released when the customer pays, minus the agreed fee. The exact percentage depends on your buyers and the lender. Your account manager will confirm the advance rate before you commit, so there are no surprises.
Tando works best with manufacturers turning over £200k or more a year, with facilities usually structured between £75k and £500k. The available funding scales with your sales ledger, so it rises as your collections and orders grow. The exact limit depends on your retail customer base, the payment terms they set, and how the ledger is spread.
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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.’
