Fashion and clothing retailers can use trade finance to fund seasonal collections before they sell, with funding decisions often reached in days.
A fashion retailer commits to a collection long before it reaches the rails. Garments are ordered from suppliers and overseas factories, often months ahead, then sell through a single season before the next one arrives. A letter of credit can give an overseas factory the certainty to produce and ship while the order is financed, so a season's buy is not held up by an upfront payment.
Lead times are long and a season is short, so being stocked when the collection lands is what protects full-price sales before markdowns. The supplier is paid well ahead of the takings, so a facility funds the collection at the point of order and clears as it sells, letting a retailer buy the range a season needs without cash tied up months in advance.
A fashion retailer pays for a collection months before it sells, and the season that follows is short. The pressures recur each cycle:
Tando handles funding through a named account manager rather than an automated system, so a fashion retailer speaks to someone who understands long lead times and short seasons. A decision is usually reached in three to five days, sometimes sooner. The firm is NACFB accredited and lends via FCA-regulated partners.
A retailer ordering a season's collection could use a facility to fund the production, then repay as the range sells through. For buying that runs season after season, a revolving credit facility can keep working capital available between collections.
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 or factory when the order is placed, so a season's collection can be secured without the cost landing months before it reaches the rails. You repay as the range sells through. It lets a fashion retailer buy the styles and sizes a season needs rather than under-ordering for fear of tying up its own cash.
Yes. Most collections are produced overseas, and trade finance can fund those supplier payments. Where a factory wants assurance before producing or 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 source, so a season's buy is not held up.
It is well suited to them. Garments are often ordered months before they sell, which ties up cash for a long stretch. A facility funds the order at the point of purchase and repays as the collection sells, so the long gap between ordering and selling does not have to come out of your own working capital. The account manager sizes it around the season.
Often, yes. Tando places fashion retailers with bad credit or a bounced payment that other brokers avoid. The trading pattern 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 typically run from 75,000 to 500,000 pounds, sized to your collection values and turnover. Retailers turning over 200,000 pounds or more a year are the typical fit. Because a whole collection is bought ahead of the season, the right figure tends to track the size of each season's buy rather than a single fixed limit.
Usually within three to five days, and sometimes within hours when a production slot or a shipping deadline is at risk. A dedicated account manager handles the case directly rather than an automated queue, so a collection order can be funded quickly enough to secure a production slot and have the range ready when the season lands.
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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.’
