Homeware and furniture retailers can use trade finance to fund big-ticket stock before it sells, with funding decisions often reached in three to five days.
A homeware and furniture retailer ties up real money in big-ticket stock, much of it imported and slow to sell through. Sofas, beds, dining sets and homeware lines are ordered from suppliers and overseas factories, fill the showroom and warehouse, and sell to customers over a longer cycle than fast-moving retail. A letter of credit can give an overseas factory the certainty to ship while the order is financed.
High-value items mean a single order can absorb a lot of cash, and that cash sits in stock until a customer buys and takes delivery. With the facility settling the supplier at the point of order and clearing as goods sell, a retailer can keep the showroom stocked and back a container order without working capital locked up across the floor.
A homeware retailer locks cash into high-value, slower-moving stock well before it sells. The pressures recur across the showroom:
Tando keeps funding human, so a homeware and furniture retailer works with a dedicated account manager who understands big-ticket stock and longer sell-through rather than an automated platform. Most decisions come back within three to five days, sometimes within hours. The firm is NACFB accredited and places funding through FCA-regulated lenders.
A retailer placing a container order could use a facility to fund the stock, then repay as it sells through the showroom. Where the business is fitting out a new showroom or expanding, a business loan can support the wider investment alongside the stock 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. The facility pays your supplier or factory when the order is placed, so high-value stock can be secured without the cost coming from your own cash. You repay as the goods sell through the showroom. It lets a homeware retailer keep the ranges customers expect on display rather than limiting orders to whatever cash the slower sell-through has freed up.
Yes. Much furniture and homeware is produced overseas, and trade finance can fund those supplier payments. Where a factory 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 source, so a container order is not held up by an upfront payment.
Yes. Furniture often sells over a longer cycle than fast-moving retail, which keeps cash tied up in stock for longer. A facility funds the order at the point of purchase and repays as the goods sell, so the slower sell-through does not have to come out of your own working capital. The account manager sizes the facility around how the stock actually moves.
Often, yes. Tando places homeware and furniture 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 order values and turnover. Retailers turning over 200,000 pounds or more a year are the typical fit. Because high-value orders tie up significant cash, the right figure tends to track the size of the orders you place rather than a single fixed limit.
Usually within three to five days, and sometimes within hours when a shipping slot or a supplier deadline is at risk. A dedicated account manager handles the case directly rather than an automated queue, so a container order can be funded quickly enough to keep the showroom stocked and the delivery on schedule.
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Tando Capital provides a range of tailored funding solutions to meet diverse business needs:
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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.’
