Distribution companies can use trade finance to pay suppliers for stock before it sells on to retailers, with funding decisions often reached in three to five days.
Distribution sits between the maker and the seller: stock is bought from manufacturers or importers, held, then sold on to retailers and trade buyers who pay on credit terms. The money goes out to suppliers long before it comes back from customers. Trade finance funds that supplier payment when stock is ordered, so a distributor can secure the goods without its own cash carrying the whole load.
For distributors importing from overseas, a letter of credit can reassure a supplier before shipment while the wider purchase is funded. The facility repays as the stock sells through and customers settle, so a distributor can take on a larger range or a bigger order without working capital tied up in goods sitting in the warehouse.
Distributors carry the cost of stock between paying the supplier and being paid by the customer, and that gap is where cash gets tight. The pressures repeat across the sector:
Tando is a human-led brokerage, so a distributor works with a dedicated account manager who understands the buy-then-sell cycle 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 distributor winning a large retail contract could use a facility to buy the stock, then repay once the goods are delivered and the retailer pays. When customers settle slowly, invoice finance can release the cash held in those sales invoices and keep the next order moving.
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 your supplier when the stock is ordered, so you can secure goods without the cost coming from your own cash. You repay once the stock sells through and your customers pay on their terms. It lets a distributor take on a larger range or a bigger order than working capital alone would allow.
Yes. Many distributors source 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, with the bank undertaking payment once agreed documents are presented. Your account manager arranges the structure that suits how and where you buy, so stock is not held up by an international payment.
Not on its own. Tando regularly arranges funding for distributors with bad credit or a bounced payment that other brokers turn away. The confirmed orders 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 stock spend and order book. Firms turning over 200,000 pounds or more a year are the typical fit. Because stock is bought in volume, the right figure tends to track the scale of the ranges and orders you carry rather than a single fixed limit.
Usually within three to five days, and sometimes within hours when a supplier deadline or a pricing window is at risk. A dedicated account manager handles the case directly rather than an automated queue, so a stock purchase can be funded quickly enough to secure goods before they are allocated elsewhere and keep the shelves filled.
Repayment follows your sales cycle. The facility pays the supplier when stock is ordered, and you repay once the goods have sold through and customers have paid on their terms. That keeps the cost tied to the trading cycle rather than a rigid monthly figure, so funding does not fall due before the stock it paid for has generated income.
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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.’
