Trade finance helps food and drink wholesalers buy chilled, frozen and ambient stock to demand, before caterers and retailers pay on account.
Stock in food and drink wholesaling comes with a clock running. Ambient, chilled and frozen lines arrive from producers and importers, pass quickly through the warehouse, and sell to caterers, retailers and hospitality on credit. A letter of credit can secure an overseas producer before a shipment leaves while the purchase is financed.
With shelf life short, buying has to track demand even though the trade pays later. The facility settles the producer at the point of order and clears as goods sell, so a wholesaler can keep a perishable range turning and back a volume deal without cash locked across the cold store. In this trade availability sells, because a caterer who cannot get a line today will simply order it from whoever has it on the shelf right now.
For a food and drink wholesaler the strain comes from paying producers before the trade settles, with shelf life shortening the window. The pressures recur:
People run the file at Tando, not an algorithm, so a food and drink wholesaler gets an account manager who grasps quick turnover and short shelf lives. Most decisions arrive in three to five days, sometimes within hours. Tando is NACFB accredited and funds through FCA-regulated partners.
A wholesaler winning a sizeable catering contract could buy stock to demand on a facility, repaying as it sells and the trade pays. When accounts run slow, invoice finance releases the cash held in the issued invoices. Quick turnover and tight dating shape how the facility is set up, all mapped out when you first speak to the account manager.
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 producer when stock is ordered, so you can buy to demand without the cost coming from your own cash. You repay as the stock sells through and the trade pays on their terms. It lets a wholesaler keep a perishable range moving rather than holding orders back until the accounts have cleared.
Yes. Many wholesalers source lines from overseas producers, and trade finance can fund those supplier payments. Where a producer wants assurance before shipping, a letter of credit can sit alongside the facility. Your account manager arranges the structure that suits how and where you buy, so stock is not held up by an international payment while shelf life ticks away.
Not on its own. Tando regularly arranges funding for food and drink 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 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 turnover. Firms turning over 200,000 pounds or more a year are the typical fit. Because perishable stock turns quickly and is bought to demand, the right figure tends to track your buying volume rather than a single fixed limit.
Usually within three to five days, and sometimes within hours when a producer deadline or a short shelf life leaves no time to wait. A dedicated account manager handles the case directly rather than an automated queue, so a stock order can be funded quickly enough to buy to demand and keep a perishable range moving.
Repayment follows your sales cycle. The facility pays the producer when stock is ordered, and you repay as the stock sells through and the trade pays on their terms. That keeps the cost tied to quick turnover rather than a rigid monthly figure, so funding does not fall due before the stock it paid for has sold.
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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.’
