Forestry and timber companies can use trade finance to pay mills and importers for timber stock before it sells on to the trade, with quick decisions.
A timber business ties up real money in stock long before the trade buys it. Sawn timber, sheet materials, fencing and decking are bought from sawmills and overseas importers, stacked under cover, and sold on to builders, merchants and fabricators. Trade finance settles the mill or the importer when the order is placed, so a yard can hold the range and the volume its customers expect without the whole cost sitting on its own balance sheet.
A good share of timber ships from Scandinavia and the Baltics, and prices can move sharply, so buying well when the price is right matters. The facility repays as the stock sells through and the trade accounts settle, which lets a timber company commit to a container or a bulk load rather than trimming the order back to whatever cash is spare.
A timber company carries the cost of heavy, often imported stock between paying the mill and being paid by the trade. The pressures recur across the yard:
Tando is a human-led brokerage, so a timber company works with a dedicated account manager who understands imported stock and trade accounts 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 timber company buying a container of sheet materials could use a facility to pay the importer, then repay as the stock sells through. Where an overseas mill 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 mill or importer when the timber is ordered, so the yard stays stocked without the cost coming from your own cash. You repay as the stock sells through and the trade accounts settle. It lets a timber company hold the range and depth its customers expect rather than trimming orders back to whatever cash is in the bank.
Yes. A good deal of timber and sheet material ships from Scandinavia, the Baltics and beyond, and trade finance can fund those supplier payments. Where a mill 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 the yard is not held short by an international payment.
It can. Timber prices move with supply and demand, so buying well when the price is keen protects margin. A facility funds the purchase at the point of order rather than waiting for cash, then repays as the stock sells. It lets a timber company commit to a bulk load when the price is right instead of missing the window because the cash is tied up elsewhere.
Often, yes. Tando regularly arranges funding for timber companies with bad credit or a bounced payment that other brokers turn away. 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 order book. Firms turning over 200,000 pounds or more a year are the typical fit. Because timber is bought heavy and in volume, the right figure tends to track the scale of the stock you carry rather than a single fixed limit.
Usually within three to five days, and sometimes within hours when a mill deadline or a shipping slot is at risk. A dedicated account manager handles the case directly rather than an automated queue, so an order can be funded quickly enough to secure a container or hold a price before the window closes.
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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.’
