Chemical manufacturers can use trade finance to buy feedstock and raw materials before finished products sell, with funding decisions often reached within days.
Chemical production begins with bulk feedstock and raw materials, frequently bought in volume and often imported. The inputs are processed into finished products that are then sold to industrial buyers on credit terms, leaving a gap between paying suppliers and being paid. A letter of credit can secure an overseas feedstock supplier while the broader spend is funded.
Buying in bulk holds pricing and protects supply, but it also ties up significant cash before any product ships. The facility pays the supplier when the feedstock is ordered and repays as the finished output is sold, so a manufacturer can keep production scheduled and commit to large industrial orders without its working capital absorbed by a single raw material purchase. Production stays on schedule even when a single feedstock order is large.
Chemical manufacturing commits cash to bulk inputs and processing well before the finished output is ready to sell. The recurring pressures are clear right across the sector:
Tando is human-led, so a chemical manufacturer works with a dedicated account manager who understands bulk feedstock buying and the processing gap rather than an automated platform. Decisions usually land in three to five days, the firm is NACFB accredited, and lending partners are FCA-regulated. Earlier credit difficulty is not a barrier on its own.
A chemical manufacturer with a confirmed industrial contract could use a facility to buy feedstock in volume, then repay as the finished product is delivered and paid for. When working capital needs topping up between large purchases, a business loan can provide a longer-term base alongside the trade facility.
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 the feedstock supplier when the order is placed, so a manufacturer can buy the volume production needs without the cost coming from its own cash. You repay once the finished product is sold and the buyer pays. It means a large raw material purchase no longer has to wait until working capital allows it.
Yes. Many chemical inputs are sourced abroad, 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, with the bank undertaking payment on presentation of agreed documents. The account manager arranges the right structure for how and where you buy.
Often, yes. Tando arranges funding for chemical firms with bad credit or a bounced payment that other brokers avoid. The confirmed order and supplier terms carry more weight than a past difficulty. Lending partners are FCA-regulated and assess the business as it trades today, so an earlier setback does not automatically rule out a sensible facility.
Facilities usually run from 75,000 to 500,000 pounds, sized to your feedstock spend and order book. Firms turning over 200,000 pounds or more a year are the typical fit. Because bulk inputs and processing tie up significant cash, 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 price or a supply window is closing. A dedicated account manager handles the case directly rather than an automated system, so a feedstock purchase can be funded quickly enough to secure pricing and keep production scheduled rather than held up waiting on cash.
Repayment follows your sales cycle. The facility pays the supplier when feedstock is ordered, and you repay once the finished product is sold 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 output it paid for has generated income.
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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.’
