Commodity traders can use trade finance to fund the purchase of a cargo or parcel before it is sold on, with quick funding decisions.
A commodity trader makes money on the spread between buying and selling, and the purchase has to be funded before the sale settles. Metals, grains, energy or other raw materials are bought in bulk, often with an onward buyer already lined up, then moved and sold on. Trade finance funds the purchase of the parcel at the point of order, so a trader can secure a cargo when the price is right rather than when cash is free.
The facility repays when the commodity is sold on and the buyer pays, keeping the cost tied to the trade. Prices move quickly in these markets, so being able to commit to a parcel on the day can be the difference between a profitable trade and a missed one. A trader can act on a price window instead of letting it pass while funds are arranged.
A commodity trader commits large sums to a parcel before the onward sale settles, and price and timing add their own pressure. The strains recur on most trades:
Tando keeps funding human, so a commodity trader works with a dedicated account manager who understands price windows and back-to-back sales rather than an automated platform. Decisions usually arrive within three to five days, sometimes within hours. The firm is NACFB accredited and funds through FCA-regulated lenders.
A trader securing a cargo with an onward buyer in place could use a facility to pay for the parcel, then repay once it is sold on. Where a supplier wants certainty before releasing goods, a letter of credit can sit alongside the facility, with the bank undertaking payment against agreed documents.
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 funds the purchase of a parcel or cargo at the point of order, so a trader can secure the commodity without the cost coming from its own cash. You repay once it is sold on and the buyer pays. It lets a trader act on a price when it is right rather than waiting for funds to come free.
It fits them well. Where a trader has an onward buyer already lined up, a facility funds the purchase while the sale is arranged, then repays when the buyer pays. That covers the gap between paying the supplier and being paid on delivery. It lets a trader move on a back-to-back deal at the speed these markets demand rather than financing it from its own balance sheet.
A letter of credit has the bank undertake payment to a supplier once agreed documents are presented. It gives a supplier the certainty to release a cargo and sits alongside a trade finance facility. Commodity suppliers often expect this level of assurance, so the account manager can arrange the letter of credit and the funding together where a trade calls for it.
Often, yes. Tando arranges funding for commodity traders with bad credit or a bounced payment that other brokers avoid. The trade flow and the strength of the onward sale 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 typically run from 75,000 to 500,000 pounds, sized to your parcel values and trade volumes. Firms turning over 200,000 pounds or more a year are the typical fit. Because cargoes vary in size and price, the right figure tends to track the value of the parcels you are funding rather than a single fixed limit.
Usually within three to five days, and sometimes within hours when a price window is closing. A dedicated account manager handles the case directly rather than an automated queue, so a parcel can be funded quickly enough to act on a price before it moves. In fast markets that speed can be the difference between securing a trade and missing it.
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Tando Capital provides a range of tailored funding solutions to meet diverse business needs:
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Tando Capital stands out by prioritising human expertise over automated bots:
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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.’
