Groundworks contractors can use trade finance to buy aggregates, concrete and drainage materials before a job pays, with decisions often made in three to five days.
Groundworks sits at the very start of a build, which means a contractor buys heavily before anyone upstream has been paid. Excavation, foundations and drainage all need aggregates, ready-mix, pipe and rebar on site from day one, yet the valuation for that work may be weeks away. Trade finance covers those orders so the dig can start on schedule.
By funding the supplier directly, the facility keeps a groundworks firm's own cash free for plant hire, fuel and crews. The materials are covered until the main contractor pays, so a confirmed package no longer depends on how much is sitting in the account when the first delivery arrives. It means a firm can commit to a start date the moment a package is confirmed rather than when funds allow.
Groundworks crews spend heavily before they earn anything, and the early material bills always land well ahead of the income. The usual pressure points are clear to anyone running sites:
Tando keeps funding human, so a groundworks contractor talks to a dedicated account manager who knows the spend comes before the income. Decisions usually arrive in three to five days, the brokerage is NACFB accredited, and lending partners are FCA-regulated. A patchy credit record does not end the conversation.
A groundworks contractor taking on a new housing site could use a facility to order aggregates and drainage runs upfront, then repay as each section is certified. Where the package forms part of a wider build, construction finance can fund the project while the trade facility keeps the supply chain moving.
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, and that is the most common use. Groundworks needs aggregates, concrete and pipe on site before the dig begins, well before any valuation is paid. Trade finance pays those suppliers at the point of order, so a contractor can start on time. Repayment follows once the main contractor certifies and pays for that section of work.
Trade finance is designed for material purchases and supplier payments rather than plant hire directly. That said, funding the materials frees up your own cash for plant, fuel and crews. If plant costs are a large and regular part of your spend, your account manager can look at a structure that keeps both sides covered without stretching a single facility too thin.
Tando regularly places firms with bad credit or a bounced payment that other brokers have turned down. The strength of the contract and the order matters more than a past difficulty. Lending partners are FCA-regulated and look at the business as it trades today, so an earlier setback does not automatically rule out a sensible facility.
Usually within three to five days, and sometimes within hours if a delivery slot is at risk. Because a dedicated account manager handles the case rather than an automated system, urgent material orders can be turned around quickly. The aim is to have funds in place before the supplier deadline so the dig is never held up waiting on stock.
Facilities usually run between 75,000 and 500,000 pounds, sized to the material spend across your live packages. Firms turning over 200,000 pounds or more a year fit best. The right figure depends on how many digs you have running at once and how much aggregate, concrete and pipe each one needs before the first valuation is certified.
Repayment is tied to your valuations. The facility pays the supplier when materials are ordered, and you repay once the main contractor certifies and settles for that work. Because retentions can sit for months, the structure focuses on the certified payment rather than the final account, so funding does not have to wait for the very end of the job.
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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.’
