Furniture manufacturers can use trade finance to buy timber, board, foam and fittings before delivery, with funding decisions often reached in three to five days.
A furniture order is built from timber, board, foam, fabric and fittings bought upfront, often from a mix of domestic and overseas suppliers. The pieces are made to order in the workshop, then delivered to retailers or contract clients who pay on terms. Trade finance pays those material suppliers at the point of order so a build can start on schedule.
Because furniture is labour-intensive as well as material-heavy, keeping cash free for the workshop matters as much as covering the materials themselves. The facility funds the supplier and repays as the finished pieces are delivered and the client settles, so a manufacturer can accept a large retail or contract order without its working capital tied up in raw stock and components.
Furniture manufacturing combines a heavy materials bill with skilled labour, and both are paid well before the finished order earns. The usual pressure points are familiar to any workshop:
Tando keeps funding personal, so a furniture manufacturer works with a dedicated account manager who understands a build-to-order workshop rather than an automated platform. Decisions usually arrive in three to five days, the brokerage is NACFB accredited, and lending partners are FCA-regulated. A past credit problem will not rule a firm out on its own.
A furniture manufacturer winning a large hotel contract could use a facility to buy timber, fabric and fittings for the whole order, then repay as the pieces are delivered and invoiced. Because the workshop wage bill runs throughout the build, payroll finance can keep wages steady alongside the materials facility.
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. A facility can be sized to cover the timber, board, foam, fabric and fittings a whole order needs, paid to suppliers when the materials are ordered. You repay as the finished pieces are delivered and the client pays. That lets a manufacturer take on a large retail or contract order without funding the entire materials bill from its own cash.
Trade finance is built for material purchases and supplier payments rather than wages directly. Furniture making is labour-intensive, so many manufacturers run a separate facility to keep payroll covered while materials sit on trade finance. Your account manager can set the two up to work together, so neither the workshop wage bill nor the material orders squeeze the other.
Not automatically. Tando places furniture firms with bad credit or a past bounced payment that other brokers avoid. The confirmed order and supplier terms matter more than an old setback. Lending partners are FCA-regulated and look at how the business trades today, so a difficult period in the past does not necessarily stop a workable facility being arranged.
Facilities usually run from 75,000 to 500,000 pounds, sized to your material spend and order book. Firms turning over 200,000 pounds or more a year are the typical fit. Because a contract order can need a large volume of timber, fabric and fittings, the right figure tends to track the size of the orders you are building.
Usually within three to five days, and sometimes within hours when a supplier deadline is close. A dedicated account manager handles the case directly rather than an automated system, so material orders can be funded quickly enough to keep a build to its delivery date instead of waiting for cash to free up before production starts.
Repayment follows the order. The facility pays material suppliers at the point of purchase, and you repay once the finished furniture is delivered and the client has paid on their terms. That keeps the cost tied to the order rather than a fixed monthly figure, so funding does not fall due before the pieces it paid for have been delivered.
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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:
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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.’
