Building materials suppliers can fund yard stock with trade finance, paying suppliers up front and repaying as builders draw materials and clear their accounts.
Merchants buy heavy and buy early, then carry the cost until the trade settles. Cement, timber, aggregates, bricks and fixings come in from manufacturers and importers, stack up in the yard, and sell to builders running thirty-day accounts. Trade finance pays the supplier when the order is raised, keeping the yard stocked without every pallet sitting on the merchant's own balance sheet.
As materials leave the yard and accounts are cleared, the facility is repaid in step with the sales. Stocking up before the building season, or holding a price on a volume buy, becomes a decision the merchant can make on the day rather than one that waits for the ledger to clear. A merchant that can buy when prices are keen protects its margin on every load that leaves the gate.
For a merchant the cash gap opens between paying for heavy stock and the trade clearing its tab. The pressures recur right across the yard:
Tando runs on conversations, not automated scoring, so a merchant deals directly with one account manager who knows yard stock and trade accounts. Expect a decision in three to five days, and at times within hours. The firm is NACFB accredited and funds via FCA-regulated lending partners.
Take a merchant supplying a large project: a facility funds the materials, repaid as the builder draws stock and the account clears. When trade accounts run slow, invoice finance releases the cash held in the issued invoices and keeps the yard restocked.
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 materials are ordered, so the yard can be stocked without the cost coming from your own cash. You repay as the materials sell through and the trade accounts settle. It lets a merchant carry the depth of stock builders expect rather than holding orders back until the accounts have cleared.
Yes. Many merchants source materials such as tiles, timber and fixings 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 yard is not held short by an international payment.
Not on its own. Tando regularly arranges funding for builders' merchants with bad credit or a bounced payment that other brokers avoid. The order flow and supplier terms carry more weight than a single past difficulty. Lending partners are FCA-regulated and assess the business as it trades now, so an earlier setback does not automatically close the door.
Facilities typically run from 75,000 to 500,000 pounds, sized to your material spend and order book. Firms turning over 200,000 pounds or more a year are the typical fit. Because materials are bought heavy and in volume, the right figure tends to track the scale of the stock you carry rather than a single fixed limit.
Usually within three to five days, and sometimes within hours when a supplier deadline or a price is at risk. A dedicated account manager handles the case directly rather than an automated queue, so a materials order can be funded quickly enough to hold a price or stock up before the building season puts the yard under pressure.
Repayment follows your sales cycle. The facility pays the supplier when materials are ordered, and you repay as the stock sells 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 materials it paid for have been sold to the trade.
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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.’
