Automotive parts manufacturers can use trade finance to fund metal, plastics and components for volume production before OEMs pay, with quick funding decisions.
Automotive parts production runs on volume, and the materials bill lands first. Metal, plastics and electronic components, some of them imported, are bought to supply OEMs and the aftermarket, the parts are produced at scale, and payment follows on the extended terms large manufacturers set. Payroll finance can keep a production wage bill steady while a trade facility covers the materials.
OEM payment terms can stretch well past delivery, so a parts maker funds production long before the income arrives. A trade facility pays suppliers when materials are ordered and repays as the parts are delivered and paid for, so a manufacturer can hold a supply agreement at volume without the materials and the slow OEM terms squeezing working capital together.
Automotive parts manufacturing combines volume material buying with long OEM payment terms, which keeps working capital persistently tight. The pressure points stack up right across a high-volume production run:
Tando is a human-led brokerage, so an automotive parts manufacturer deals with a dedicated account manager who understands volume production and long OEM terms rather than an automated platform. Decisions usually arrive in three to five days, the firm is NACFB accredited, and lending partners are FCA-regulated. A past credit issue is not a barrier on its own.
An automotive parts maker holding a volume supply agreement could use a facility to buy materials for the run, then repay as the parts are delivered and the OEM pays. When those OEM invoices sit on long terms, invoice finance can release the cash held in them.
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 material and component suppliers when orders are placed, so a production run can go ahead without the cost coming from your own cash. You repay as the parts are delivered and the buyer pays. That lets a manufacturer hold a volume supply agreement without funding the entire materials bill from working capital.
They are expected and built into the structure. OEMs often pay well past delivery, so repayment is timed to follow when you are actually paid rather than a fixed early date. Where those invoices sit on long terms, invoice finance can release the cash tied in them, while the trade facility covers the materials at the front of the run.
Yes. Many automotive parts use imported metal, plastics or electronics, and trade finance can fund those supplier payments. Where an overseas supplier wants assurance before shipping, a letter of credit can sit alongside the facility. The account manager arranges the structure that suits how and where you source, so a run is not delayed by an international payment.
Facilities usually run from 75,000 to 500,000 pounds, sized to your material spend and supply agreements. Firms turning over 200,000 pounds or more a year are the typical fit. Because volume runs need material bought in quantity, the right figure tends to track the scale of your production rather than a single fixed limit.
Usually within three to five days, and sometimes within hours when a supplier deadline or a production schedule is tight. A dedicated account manager handles the case directly rather than an automated queue, so a material order can be funded quickly enough to keep a volume run on schedule against the delivery dates an OEM expects.
Repayment follows the run. The facility pays suppliers when materials are ordered, and you repay once the parts are delivered and the buyer pays on their terms. That ties the cost to the production cycle rather than a rigid monthly figure, so funding does not fall due before the parts it paid for have been delivered and invoiced.
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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.’
