Agricultural machinery dealers can use trade finance to fund machinery stock on the forecourt before it sells to farmers, with quick funding decisions.
A machinery dealer ties up serious money in high-value stock that sits on the forecourt until a farmer buys it. Tractors, combines, implements and parts are bought from manufacturers and importers, held ready to demonstrate and sell, then bought by farmers and contractors. Trade finance settles the manufacturer when the machinery is ordered, so a dealer can keep a proper range on the yard without the whole cost locked up in stock that has yet to sell.
Farmers buy ahead of the season, so being stocked when they are ready to commit matters. A single machine can absorb a lot of cash, and it sits in stock until it is sold. The facility repays as the machinery sells through, which lets a dealer carry the range and the parts inventory customers expect rather than rationing the forecourt to whatever cash is free.
A machinery dealer locks cash into high-value stock well before it sells off the forecourt. The pressures recur across the yard:
Tando keeps funding human, so a machinery dealer works with a dedicated account manager who understands high-value stock and seasonal demand rather than an automated platform. Most decisions come back within three to five days, sometimes within hours. The firm is NACFB accredited and places funding through FCA-regulated lenders.
A dealer stocking the forecourt ahead of the season could use a facility to buy the machinery, then repay as units sell to farmers. Because stocking runs continuously across machines and parts, a revolving credit facility can keep working capital available between orders.
Direct funding for the cost of goods based on a confirmed customer order.
A globally recognised guarantee of payment to your supplier upon verification of shipping documents.
Optimising cash flow by allowing you to pay suppliers early while extending your own payment terms.
Yes. The facility pays your manufacturer when the machinery is ordered, so the forecourt stays stocked without the cost coming from your own cash. You repay as the machines sell to farmers. It lets a dealer keep a proper range on the yard rather than rationing the stock to whatever cash the slower-selling units have freed up.
Yes. A good deal of machinery and parts is sourced from overseas manufacturers, and trade finance can fund those payments. Where a manufacturer wants assurance before shipping, a letter of credit can sit alongside the facility, with the bank undertaking payment against agreed documents. Your account manager arranges the structure that suits how and where you buy, so the forecourt is not held short by an upfront overseas payment.
Yes. Farmers tend to buy ahead of the season, so a dealer needs the forecourt stocked before demand arrives. A facility funds that stock at the point of order and repays as machines sell. It lets a dealer build the range ahead of the busy period rather than under-ordering and missing sales when farmers are ready to commit.
Often, yes. Tando places agricultural machinery dealers with bad credit or a bounced payment that other brokers avoid. The stock flow and supplier terms carry more weight than a single past problem. Lending partners are FCA-regulated and look at current trading, so an earlier difficulty does not automatically rule out a workable facility for the business.
Facilities typically run from 75,000 to 500,000 pounds, sized to your stock values and turnover. Dealers turning over 200,000 pounds or more a year are the typical fit. Because machines are high-value and tie up significant cash, the right figure tends to track the size of the stock you hold rather than a single fixed limit.
Usually within three to five days, and sometimes within hours when a manufacturer deadline or the start of the season is pressing. A dedicated account manager handles the case directly rather than an automated queue, so an order can be funded quickly enough to stock the forecourt before farmers start buying for the season.
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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.’
