Car dealerships can use trade finance to pay manufacturers for forecourt stock before the vehicles sell, with funding decisions often reached in days.
A car dealership has serious money standing on the forecourt in vehicles that have been paid for but not yet sold. New cars are bought from manufacturers and held ready to sell, while the cash that bought them is tied up until a buyer drives one away. Trade finance settles the manufacturer when the stock is ordered, so a dealership can keep the right range and the right plates on the pitch without its own cash carrying every car.
Plate-change months bring a surge of stock and demand at once, and a single model can absorb a lot of capital. The facility repays as vehicles sell through, which keeps the cost in step with the forecourt rather than the calendar. For a dealership building stock ahead of a registration peak, that means ordering the cars buyers will want rather than rationing the pitch to available cash.
A dealership commits cash to high-value stock that sits on the forecourt until it sells. The pressures recur across the pitch:
Tando is a human-led brokerage, so a dealership works with a dedicated account manager who understands forecourt stock and plate-change timing rather than an automated platform. Decisions usually arrive within three to five days, and sometimes within hours. The firm is NACFB accredited and funds through FCA-regulated lending partners.
A dealership building stock before a plate-change could use a facility to order the cars, then repay as they sell off the forecourt. Because stocking runs continuously as vehicles turn over, 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, that is the core use. The facility pays the manufacturer when the vehicles are ordered, so the forecourt stays stocked without the cost coming from your own cash. You repay as the cars sell. It lets a dealership keep the range and the plates buyers want on the pitch rather than rationing stock to whatever cash the slower sellers have freed up.
Yes. The March and September plate-change months bring a concentrated surge of demand, so a dealership needs the forecourt stocked deep ahead of each one. A facility funds that stock at the point of order and repays as the cars sell. It lets a dealership build the range and depth before the peak rather than under-ordering and watching sales walk when buyers are ready to commit.
Often, yes. Tando places car dealerships with bad credit or a bounced payment that other brokers avoid. The stock turn 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. Dealerships turning over 200,000 pounds or more a year are the typical fit. Because vehicles are high-value and tie up significant cash, the right figure tends to track the size of the forecourt you hold rather than a single fixed limit.
Usually within three to five days, and sometimes within hours when a manufacturer deadline or a plate-change is pressing. A dedicated account manager handles the case directly rather than an automated queue, so an order can be funded quickly enough to get the cars onto the forecourt before the registration peak rather than after buyers have been and gone.
Repayment follows your sales. The facility pays the manufacturer when the vehicles are ordered, and you repay as the cars sell off the forecourt. That keeps the cost tied to how quickly stock turns rather than a rigid monthly figure, so funding does not fall due before the vehicles it paid for have had the chance to sell.
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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.’
