Import and export businesses can use trade finance to pay overseas suppliers and fund export orders before the buyer pays, with funding decisions often reached in days.
An import and export business is paying in one country and waiting to be paid in another. On the import side, an overseas supplier wants paying before goods are shipped; on the export side, a buyer abroad expects credit terms before settling. Either way the cash goes out long before it comes back. Trade finance covers the supplier or the production cost at the point of order, so a deal is not lost because the money is committed elsewhere.
The facility repays once the goods are sold on or the overseas buyer pays, keeping the cost tied to the deal rather than the calendar. For a business stocking up on an imported line or fulfilling a large export contract, that means saying yes to the order when it lands instead of waiting for the last shipment to clear.
An importer or exporter carries the cost of goods across borders and across time, and that gap is where cash gets tight. The pressures repeat on most deals:
Tando keeps funding human, so an import and export business works with a dedicated account manager who understands cross-border timing 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.
An importer landing a large order could use a facility to pay the supplier, then repay once the goods are sold on. When the buyers an exporter has invoiced settle slowly, a invoice finance facility can release the cash held in those invoices and keep the next deal 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, that is a core use. The facility pays your overseas supplier at the point of order, so goods can be secured and shipped without the cost coming from your own cash. You repay once the goods are sold on or your buyer pays. It lets an importer commit to a line when the deal is there rather than waiting for funds to free up.
A letter of credit has the bank undertake payment to an overseas seller once agreed shipping documents are presented. It reassures a supplier enough to ship and sits alongside a trade finance facility. Many import and export businesses use both, one giving the seller certainty and the other funding the purchase. Your account manager arranges them together where a deal calls for it.
Yes. On the export side, a facility can fund the goods or production needed to fulfil an overseas order before the buyer pays. That covers the gap between meeting a contract and being paid on credit terms. You repay when the buyer settles, so a large export order does not have to be turned down because cash is committed to making or buying the goods.
Often, yes. Tando regularly arranges funding for import and export businesses with bad credit or a bounced payment that other brokers turn away. The confirmed orders and trade history 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 close the door.
Facilities typically run from 75,000 to 500,000 pounds, sized to your order values and trade volumes. Firms turning over 200,000 pounds or more a year are the typical fit. Because international orders vary in size, the right figure tends to track the value of the deals you are funding rather than a single fixed limit.
Currency can move between agreeing a price and paying for goods, which changes the cost of a deal. Trade finance funds the purchase at the point of order, which helps lock in the buy while the sale is arranged. Your account manager can talk through how a facility is structured around the currencies you trade in, so the funding fits how the deal actually works.
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Empower your supply chain and secure global growth with flexible, human-led funding solutions.
Secure international trade with confidence. Work with new partners, and grow your business across borders without putting cash up front.
Draw funds when you need them, repay when you can, then draw again.
Tando Capital provides a range of tailored funding solutions to meet diverse business needs:
One of Tando Capital’s core priorities is speed. We offer:
Tando Capital stands out by prioritising human expertise over automated bots:
While criteria vary by product, Tando Capital generally considers:
Our application process is designed to be quick and transparent:
Tando Capital is committed to full transparency—there are no hidden fees:
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.’
