High street retailers can use trade finance to fund shop floor stock before it sells, with funding decisions often reached in three to five days.
A high street shop lives on what it can put on the floor, and that stock is paid for before footfall turns it into takings. Goods come in from suppliers, importers and wholesalers, fill the displays, and sell as customers come through the door over the following weeks. Trade finance settles the supplier at the point of order, so a shop can dress the floor for the season without the cost falling on the till before the customers do.
Shoppers pay as they buy, so the squeeze is on the buying side rather than on credit accounts. The facility clears as the stock sells through, which means a retailer can buy depth ahead of a seasonal window or a town-centre event instead of holding the order back to whatever the till has taken so far.
A high street retailer commits cash to the shop floor well before footfall clears it. The pressures recur through the trading year:
Tando keeps the process human, so a high street retailer works with one account manager who follows seasonal stock and footfall rather than a scoring platform. A decision is typically reached within three to five days, occasionally within hours. The firm is NACFB accredited and uses FCA-regulated lenders.
A retailer dressing the floor for a seasonal peak could use a facility to buy the stock, then repay as it sells through the till. Because shop takings come through card terminals, a merchant cash advance can advance against future card sales as a complementary route.
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 supplier when stock is ordered, so the floor can be dressed without the cost coming from your own till takings. You repay as the stock sells through. It lets a high street retailer carry the depth a season calls for rather than holding the order back to whatever the till has taken so far.
Shop takings come through card terminals, and a merchant cash advance can advance against those future card sales. It sits alongside or instead of a trade facility depending on how you buy and sell. For a shop with steady card volumes, it offers a quick way to draw on sales before they have all come through the till. Your account manager talks through which route fits.
Yes. Dressing the floor ahead of a seasonal window often means buying stock well before the sales arrive. A facility funds that purchase at the point of order and repays as the stock sells through. It lets a retailer buy depth for the busiest shopping periods rather than limiting the order to whatever the quieter weeks have taken.
Often, yes. Tando places high street retailers with bad credit or a bounced payment that other brokers avoid. The trading pattern and supplier terms carry more weight than a single past problem. Lending partners are FCA-regulated and look at current trading, so an earlier difficulty does not automatically rule out a workable facility.
Facilities typically run from 75,000 to 500,000 pounds, sized to your stock spend and turnover. Shops turning over 200,000 pounds or more a year are the typical fit. Because stock is bought ahead of the seasonal peaks, the right figure tends to track how much you buy rather than a single fixed limit.
Usually within three to five days, and sometimes within hours when a seasonal window or a supplier deadline is closing. A dedicated account manager handles the case directly rather than an automated queue, so a stock order can be funded quickly enough to dress the floor before the busy spell or to take a volume deal before it is gone.
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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.’
