Freight forwarders can use trade finance to cover carrier, shipping and duty payments made on a client's behalf before the client pays, with quick funding decisions.
A freight forwarder moves other people's goods, and the bills land before the client pays. Shipping lines, airlines, hauliers, port handling, customs duty and import VAT all have to be settled to keep a consignment moving, often weeks before the forwarder invoices the customer and is paid. Trade finance funds those payments at the point they fall due, so a job is never held up because a carrier or an authority needs paying first.
The forwarder does not own the goods, so this is about covering the cost of moving them rather than buying stock. The facility repays once the client settles the forwarding invoice, keeping cash free to take on the next shipment without disbursements for one client tying up the funds needed for another.
Forwarders pay out to carriers and authorities to move a consignment, then wait on the client, and that gap is where cash gets tight. The pressures repeat across the sector:
Tando is a human-led brokerage, so a forwarder works with a dedicated account manager who understands disbursement timing and slow-paying clients 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 forwarder handling a surge of import consignments could use a facility to pay the carriers and duty as each clears, then repay as clients settle. Where issued invoices sit unpaid, invoice finance can release the cash held in them, and a revolving credit facility can keep working capital topped up between shipments.
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 covers the shipping line, airline, haulage, port and customs payments a forwarder makes to keep a consignment moving, so the job is not held up waiting for the client to pay first. You repay once the client settles the forwarding invoice, which keeps cash free for the next shipment rather than tied up in one client's disbursements.
No. A forwarder arranges movement and does not take title to the goods, so this is not about buying stock. The facility funds the payments made to carriers and authorities to move a client's consignment, repaid when the client pays. It fits the way forwarding actually works, where the cost of moving goods lands well before the invoice to the customer is settled.
Trade finance funds the payments going out before you invoice, such as carrier charges and duty. Invoice finance advances cash against invoices you have already issued to clients. Many forwarders use both: one covers the disbursements as a consignment moves, the other releases cash from the bills already raised. Your account manager can set them up to work together across the shipment cycle.
Often, yes. Tando regularly arranges funding for forwarders with bad credit or a bounced payment that other brokers turn away. The shipment flow and client 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 rule out a workable facility.
Facilities typically run from 75,000 to 500,000 pounds, sized to your disbursement volumes and client book. Firms turning over 200,000 pounds or more a year are the typical fit. Because carrier and duty payments scale with shipment volume, the right figure tends to track how much you pay out across consignments rather than a single fixed limit.
Usually within three to five days, and sometimes within hours when a carrier or a customs deadline is at risk. A dedicated account manager handles the case directly rather than an automated queue, so a payment can be funded quickly enough to keep a consignment clearing and moving on schedule instead of waiting for the client to pay first.
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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.’
