E-commerce companies can use trade finance to fund inventory before online sales come in, with funding decisions often reached in three to five days.
An e-commerce company buys inventory up front and sells it online, with the cash from sales landing later through marketplaces and payment processors on their own cycle. Stock is sourced from suppliers and importers, held ready to ship, and dispatched as orders come in. A letter of credit can give an overseas supplier the certainty to ship while the purchase itself is financed, so an order is not held up by an upfront payment.
The money leaves for stock well before the platforms release the takings, so inventory is funded ahead of the income it brings. With the facility settling the supplier at the point of order and clearing as products sell, a seller can hold enough of the bestsellers and back a bigger buy without working capital tied up across every line.
An e-commerce company funds inventory up front, then waits on payout cycles, and stock-outs cost sales in between. The strains come up time and again:
At Tando the relationship is with a person, not a portal, so an e-commerce company gets a named account manager who understands sourcing and payout cycles. A decision usually comes back inside three to five days, sometimes the same day. Tando is NACFB accredited and works through FCA-regulated lenders.
A seller building inventory before a peak could use a facility to buy the stock, then repay as it sells and the platforms release the takings. Where an overseas supplier wants certainty before shipping, 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 pays your supplier at the point of order, so you can buy inventory without the cost coming from your own cash. You repay as the stock sells online and the platforms release the takings. It lets a seller hold enough of the bestsellers to meet demand rather than running short while waiting on a payout.
Marketplaces and processors release takings on a set schedule, which leaves a gap after you have already paid a supplier. Trade finance covers that gap by funding the stock at the point of order, then repaying as the payouts arrive. It means an e-commerce company is not held back by the platform's timing when it comes to buying the next batch of inventory.
Yes. Many sellers 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 against agreed documents. Your account manager arranges the structure that suits how and where you buy, so inventory is not held up by an upfront overseas payment.
Often, yes. Tando places e-commerce companies with bad credit or a bounced payment that other brokers avoid. The sales history and stock flow 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 usually run from 75,000 to 500,000 pounds, sized to your stock spend and sales volumes. Firms turning over 200,000 pounds or more a year are the typical fit. Because inventory needs rise and fall with demand, the right figure tends to track how much stock you are buying rather than a single fixed cap.
Usually within three to five days, and sometimes within hours when a supplier deadline or a peak is approaching. A dedicated account manager handles the case directly rather than an automated queue, so an inventory order can be funded quickly enough to restock a bestseller or build depth before the busiest selling period.
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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.’
