Automotive parts wholesalers can use trade finance to stock a deep catalogue, paying suppliers up front and repaying as garages buy and pay.
A parts wholesaler lives on availability, holding a deep catalogue where many references ship from overseas. Components and consumables arrive from makers and importers, sit on the shelf, and sell to garages, factors and retailers on trade accounts. A letter of credit can give an overseas supplier the confidence to ship while the order is financed.
Suppliers are paid well before the trade clears its accounts, so stock is funded ahead of the income. The facility settles the order and is repaid as parts move, letting a wholesaler keep the popular references on the shelf and back a volume buy without locking up the cash the catalogue needs. A factor or garage with a car waiting will buy from whoever has the reference on the shelf, so catalogue depth is what wins the order.
A parts wholesaler sinks cash into catalogue depth well before garages clear their accounts. The strains come up again and again:
Tando handles funding through a named account manager rather than an automated system, so a parts wholesaler speaks to someone who understands a deep catalogue. A decision is usually reached in three to five days, sometimes sooner. The firm is NACFB accredited and lends via FCA-regulated partners.
A wholesaler handling a large factor order could buy the stock on a facility, repaying as parts sell and the trade pays. When accounts sit on long terms, invoice finance frees the cash held in the issued invoices. Catalogue depth and supplier terms shape the facility, worked through with the account manager on a first call.
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 supplier when stock is ordered, so the shelves stay ranged without the cost coming from your own cash. You repay as parts sell through and the trade accounts settle. It lets a wholesaler keep popular lines available rather than holding orders back until the garage accounts have cleared.
Yes. Many parts wholesalers source from overseas, and trade finance can fund those supplier payments. Where a supplier wants assurance before shipping, a letter of credit can sit alongside the facility. Your account manager arranges the structure that suits how and where you buy, so the catalogue is not held short by an international payment.
Often, yes. Tando places automotive parts wholesalers with bad credit or a bounced payment that other brokers avoid. The order 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.
Facilities usually run from 75,000 to 500,000 pounds, sized to your stock spend and order book. Firms turning over 200,000 pounds or more a year are the typical fit. Because a deep catalogue is held across many lines, the right figure tends to track the scale of the stock you carry rather than a single fixed cap.
Usually within three to five days, and sometimes within hours when a supplier deadline or a shipping slot is at risk. A dedicated account manager handles the case directly rather than an automated queue, so a stock order can be funded quickly enough to keep popular lines available and secure a volume deal before it is gone.
Repayment follows your sales cycle. The facility pays the supplier when stock is ordered, and you repay as parts sell through and the trade accounts settle. That keeps the cost tied to the trading cycle rather than a rigid monthly figure, so funding does not fall due before the stock it paid for has been sold to the trade.
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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.’
