Trade finance lets electrical wholesalers pay for stock and imported lines when they order, not when electricians finally clear their trade accounts.
An electrical wholesaler lists thousands of products, and plenty of them arrive from overseas factories. Cable, switchgear, lighting and accessories come in from makers and importers, hold on the racks, then move to electricians and contractors on trade accounts. A letter of credit can give an overseas factory the assurance it needs to ship while the purchase itself is financed.
The supplier is paid long before the counter takings catch up, so stock is funded well ahead of the income it brings. With the facility settling the order and clearing as products sell, a wholesaler keeps the fastest movers on the shelf and can back a bulk buy without spreading working capital too thin. Keeping availability high is what brings electricians back to the same counter rather than a rival's.
An electrical wholesaler ties cash into a broad, quick-moving range long before the counter accounts clear. The strains show up time and again:
Funding at Tando is handled by a named contact rather than software, so an electrical wholesaler talks to someone who understands an imported, fast-moving range. Decisions land in three to five days as a rule, sometimes quicker. Tando holds NACFB accreditation and lends through FCA-regulated partners.
An electrical wholesaler filling a big contractor order could use a facility to buy the stock, repaying as the lines sell and the trade pays. Where accounts sit unpaid, invoice finance frees the cash in those invoices so the counter stays stocked.
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 your supplier when stock is ordered, so the counter can stay ranged without the cost coming from your own cash. You repay as the lines sell through and the trade accounts settle. It lets a wholesaler keep fast-moving products in stock rather than holding orders back until the accounts have cleared.
A letter of credit reassures an overseas supplier by having the bank undertake payment once agreed shipping documents are presented. It sits alongside a trade finance facility, so a supplier of cable, fittings or lighting ships with confidence while your stock arrives on schedule. The account manager arranges both together, which is common where electrical lines are sourced from abroad.
Often, yes. Tando places electrical wholesalers with bad credit or a bounced payment that other brokers avoid. The order flow and supplier terms 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 order book. Firms turning over 200,000 pounds or more a year are the typical fit. Because a wholesaler holds thousands of fast-moving lines, the right figure tends to track the scale of the range you carry rather than a single fixed cap.
Usually within three to five days, and sometimes within hours when a supplier deadline or a shipping slot is at risk. A dedicated account manager handles the case directly rather than an automated queue, so a stock order can be funded quickly enough to keep fast-moving lines on the shelf and secure a volume deal before it is gone.
Repayment follows your sales cycle. The facility pays the supplier when stock is ordered, and you repay as the lines sell through and the trade accounts settle. 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 been sold to the trade.
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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:
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Tando Capital stands out by prioritising human expertise over automated bots:
While criteria vary by product, Tando Capital generally considers:
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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.’
