Trade finance lets construction companies pay suppliers for materials before a project pays out, with funding decisions often reached in three to five days.
A construction company can use trade finance to pay suppliers for the materials a job needs, then repay once the client has settled for the work. Most building contracts run on stage payments and retentions, so cash leaves the business for steel, timber, blocks and aggregates well before any of it returns. That gap is where projects stall and capable firms turn down work they could otherwise deliver.
Trade finance closes the gap by funding the purchase order itself, so a confirmed contract can begin on time without emptying the bank. The materials sit covered until the client pays, which keeps day-to-day working capital free for wages, plant hire and chasing the next tender. A confirmed order becomes materials on site without the usual wait for cash to free up.
Construction firms carry the cost of a job long before any money arrives, and materials are usually the largest outlay at the front of it. The pressure points repeat across the sector:
Tando is a human-led brokerage, so a construction company deals with a dedicated account manager who understands building cash flow rather than an online form. Decisions usually land within three to five days, and sometimes within hours when a supplier deadline is close. The firm is NACFB accredited and works only with FCA-regulated lending partners.
A construction company winning a large fit-out could use a facility like this to pay its steel and timber suppliers on day one, then repay once the first stage payment clears. For funding across a whole build rather than the materials alone, construction finance can sit alongside the same 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.
In most cases within three to five days, and sometimes within hours when a supplier needs paying fast. Tando reviews the contract, the supplier terms and the order rather than running everything through an automated score. A dedicated account manager handles the case from the first call, so you are not stuck in a queue while a material delivery slot slips away.
Yes. Tando regularly places firms that other brokers turn away, including construction businesses with bad credit or a bounced payment in their history. The focus is the strength of the contract and the order rather than past difficulty alone. Each case goes to FCA-regulated lending partners who accept that a single rough patch does not define a working business.
Trade finance is built to fund the purchase of materials and supplier payments, not wages directly. For the labour side, many construction firms run a separate facility so payroll is covered while materials sit on trade finance. Your account manager can set the two up to work together, keeping wages and material orders funded without one squeezing the other.
Tando typically arranges facilities between 75,000 and 500,000 pounds, and works best with firms turning over 200,000 pounds or more a year. There is no minimum business size as such, though the sweet spot suits established contractors with a steady order book. The right figure depends on your material spend per project and how many contracts you run at once.
Repayment is tied to your own payment cycle. The facility covers the supplier when materials are ordered, and you repay once the client has paid for that stage of the work or the project completes. That keeps the cost aligned with the job rather than a fixed monthly figure that ignores how building contracts actually pay out.
Usually recent accounts or management figures, details of the contract or order being funded, and the supplier terms. Tando keeps the paperwork light and the account manager will tell you exactly what is needed for your case. Because the decision leans on the order rather than a tick-box form, gathering the documents tends to be quick once a contract is confirmed.
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Tando Capital provides a range of tailored funding solutions to meet diverse business needs:
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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.’
