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How can an equipment manufacturer fund a long build?

Building industrial equipment means committing to steel, motors, hydraulics and electronic components, often imported, well before the finished machine is delivered and paid for. Orders are large, build cycles are long, and customers pay on staged or end terms. A letter of credit can secure an overseas component supplier while the rest of the spend is funded as a facility.

A single equipment order can tie up more cash than a manufacturer holds, and a long build widens the gap further. Trade finance pays the supplier when components are ordered and repays as the machine is delivered and invoiced, so a manufacturer can commit to a large capital order without the parts bill and the build cycle draining working capital at once.

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Where does working capital go in equipment manufacturing?

Equipment manufacturing locks cash into components and a long build well before any payment from the customer arrives. The recurring pressures are clear on most large capital orders:

  • Steel, motors and components, often imported, all paid for upfront
  • Long build cycles steadily widening the gap between spend and income
  • Large capital orders tying up far more cash than is on hand
  • Customers paying on staged or end-of-contract terms after delivery
  • Several builds overlapping at once, each needing its own components
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How does Tando support equipment manufacturers?

Tando is human-led, so an equipment manufacturer works with a dedicated account manager who understands long, large builds rather than an automated platform. Decisions usually arrive in three to five days, the firm is NACFB accredited, and lending partners are FCA-regulated. Earlier credit trouble does not rule a firm out by itself.

  • Open to firms with bad credit or bounced payments
  • A named account manager who understands long build cycles
  • Fast decisions fitted to component and build timing
  • NACFB accredited with FCA-regulated lending partners
  • Facilities that scale with the size of each order

An equipment manufacturer with a confirmed capital order could use a facility to buy the components and start the build, then repay as the machine is delivered and invoiced. Where the finished build is invoiced in stages that the customer pays slowly, invoice finance can release the cash held in those invoices.

Types Of Trade Financing

Purchase Order Finance

Direct funding for the cost of goods based on a confirmed customer order.

Letters of Credit

A globally recognised guarantee of payment to your supplier upon verification of shipping documents.

Supply Chain Finance

Optimising cash flow by allowing you to pay suppliers early while extending your own payment terms.

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Benefits of Trade Financing with Tando Capital

  • Fast Approval & Funding: 95 % of applicants receive funds within 48 hours.
  • Tailored to Your Business: No one-size-fits-all—our experts recommend the best solution (Factoring or Discounting) based on your industry, customer profile, and cash-flow needs.
  • Transparent Fees: Competitive rates with no hidden charges—what you see is what you pay.
  • Dedicated Account Manager: A real advisor on hand, not a bot, to guide you through setup, collections (if applicable), and ongoing support.
  • UK & Essex Specialists: We know the local market, sector nuances, and can connect you with the right funders for your business size and growth plans.

Why Choose Tando Capital?

  • Human-Led Process: Speak with experienced finance professionals from day one—no automated call trees.
  • Proven Track Record: 98% customer satisfaction, with 92% of clients reporting improved cash flow within their first month.
  • Full Compliance & Security: FCA-regulated partners, secure data handling, and clear agreements.
  • One-Stop Funding Hub: Beyond Trade Finance, we offer Invoice Finance, Business Loans, Construction Finance, Merchant Cash Advance, Property Finance, Payroll Finance, and more—ensuring all your funding needs are covered in one place.
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FAQs

Can an equipment maker fund components for a large build?

Yes. The facility pays component suppliers when orders are placed, so a build can start without the parts cost coming from your own cash. You repay as the finished machine is delivered and invoiced. That lets a manufacturer commit to a large capital order without tying up the working capital needed for the rest of the operation.

How does the long build cycle affect funding?

The facility is structured around it. Equipment builds take time and customers often pay on staged or end terms, so repayment follows when the machine is delivered and invoiced rather than a fixed early date. The account manager sizes and times the facility to your build, so funding is not falling due while the equipment is still on the floor.

Can imported equipment components be funded?

Yes. Motors, electronics and parts are often sourced abroad, and trade finance can fund those supplier payments. Where an overseas supplier wants assurance before shipping, a letter of credit can sit alongside the facility. The account manager arranges the structure that fits how and where you buy, so a build is not delayed by an international payment.

What facility size can an equipment manufacturer get?

Facilities usually run from 75,000 to 500,000 pounds, sized to your component spend and order book. Firms turning over 200,000 pounds or more a year are the typical fit. Because a single capital order can be large and the build long, the right figure tends to track the scale of the orders you are quoting.

How quickly can equipment components be funded?

Usually within three to five days, and sometimes within hours when a supplier deadline or a lead time is at risk. A dedicated account manager handles the case directly rather than an automated queue, so a component order can be funded in time to keep a long build to its programme rather than waiting on cash to free up.

When is an equipment facility repaid?

Repayment follows the build. The facility pays component suppliers when orders are placed, and you repay once the finished equipment is delivered and the customer pays on their terms. That ties the cost to the order rather than a rigid monthly figure, so funding does not fall due before the machine it paid for has been completed and invoiced.

Don't just take our word, take theirs

Real Businesses, real support,
real results

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Priya K
"We approached Tando for invoice financing after struggling with slow-paying customers, and the funding came through in less than 48 hours. It’s made a real difference to our cash flow and allowed us to stay focused on growth."
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Jasmin R
"What stood out about Tando wasn’t just their funding options — it was the human approach. They really took the time to understand our business before offering a solution, which made all the difference."
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David M
"Tando helped us secure bridging finance for a time-sensitive property acquisition. The team were fast, responsive, and professional throughout — we wouldn’t have closed the deal without them."
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Ellie J
"We’ve worked with Tando across multiple services, including merchant cash advances and asset-based lending, and they’ve delivered every time. The process is smooth, transparent, and refreshingly quick."
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Michael G
"Tando Capital made securing a short-term business loan completely hassle-free. From first call to funds in our account, it was all handled professionally and with zero pressure. They’ve become our go-to for funding support."
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Sarah L
"After being let down by a traditional lender, we turned to Tando for development finance on a residential project. They moved quickly, offered flexible terms, and genuinely felt like a partner rather than just a provider."
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Tom E
"Tando Capital supported us with asset finance when we needed to upgrade our equipment. The process was clear, the team was responsive, and we had everything sorted far quicker than expected. Highly recommend them."
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Matt N
"Make Tando Capital you go to for sound financial advice, from the outset Perry was open, honest and very professional. Make no mistake if you want your business to go to the next level then Tando capital is the company to help you get there..."
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Danny H
"Perry helped us secure buisness finance to purchase another business. Very knowledgeable and easy to deal with. Will be using Perry and Tando Capital again in the future."
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David S
"Great team to work with - Perry specifically was fast as well as a great communicator. Would highly recommend."
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Nuts M
"Best experience to work with Tando, very responsible, reliable and caring company to work with. Highly recommend!"
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Our Mission Is To Make Finance Faster, Fairer, And More Human.

connecting businesses with real experts, not automated systems.

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95
%
of approved applicants receive funding within 48 hours.
92
%
of clients report improved cash flow within the first 30 days.
98
%
customer satisfaction rating based on service and support.

Our Services

Tando Capital.
We give real conversations with real experts who care about your business.

Invoice Financing

Invoice financing lets you unlock cash tied up in unpaid invoices, giving your business faster access to working capital without waiting for customers to pay.

Business Loans

Access flexible funding to grow your business, manage expenses, or invest in new opportunities—with repayment options suited to your cash flow and goals.

Construction Finance

Tailored financial solutions specifically for construction companies to manage projects, procure materials, and ensure steady progress through every development phase.

Merchant Cash Advance

Get fast funding based on your future card sales, with repayments taken as a percentage of daily takings—ideal for businesses with fluctuating revenue.

Property Finance

Finance for property purchases, developments, or refurbishments—supporting commercial, residential, and investment projects with tailored lending options.

Payroll Finance

Ensure your team is paid on time, every time. Payroll finance bridges short-term cash flow gaps so you can cover wages even when clients pay late.

Trade Finance

Empower your supply chain and secure global growth with flexible, human-led funding solutions.

Letters of Credit

Secure international trade with confidence. Work with new partners, and grow your business across borders without putting cash up front.

Revolving Credit Facilities

Draw funds when you need them, repay when you can, then draw again.

FAQs

What types of financing does Tando Capital offer?

Tando Capital provides a range of tailored funding solutions to meet diverse business needs:

  • Business Loans: Flexible funding to grow your business, manage expenses, or invest in new opportunities, with repayment options suited to your cash flow.
  • Invoice Financing: Unlock cash tied up in unpaid invoices to maintain working capital without waiting for customers to pay.
  • Merchant Cash Advance: Receive fast funding based on your future card sales, with repayments taken as a percentage of daily takings—ideal for businesses with variable revenue.
  • Working Capital Solutions: Flexible financing designed to boost cash flow, helping you cover operational costs and seize new opportunities.
  • Payroll Finance: Bridge short-term cash flow gaps so you can cover wages even when clients pay late.
  • Property Finance: Funding for commercial, residential, or development projects, including purchases, refurbishments, and investments.

How quickly can I get funding through Tando Capital?

One of Tando Capital’s core priorities is speed. We offer:

  • Quick Approvals: Our streamlined process delivers funding decisions fast—often within three working days for eligible applicants.
  • Dedicated Advisor Support: As soon as you complete our short form, a specialist will be in touch within three working days to guide you through the next steps, ensuring minimal delays.

How is Tando Capital different from other finance providers?

Tando Capital stands out by prioritising human expertise over automated bots:

  • Real Conversations with Human Advisors: Every applicant speaks directly with an experienced finance specialist who understands the nuances of your business.
  • Tailored Funding Solutions: Instead of one-size-fits-all templates, we build a funding package around your specific goals, challenges, and cash-flow needs.
  • Transparent Process: From application to approval, we maintain clear communication—no hidden fees, no confusing fine print.

What criteria do I need to meet to qualify for funding?

While criteria vary by product, Tando Capital generally considers:

  • Business Credit Profile: A healthy or improving credit profile helps secure more favourable rates.
  • Revenue and Cash Flow: We assess your historical revenue, outstanding invoices, and overall cash-flow stability to tailor the right solution.
  • Business History: Typically, businesses in operation for at least six months with verifiable financials are preferred, though specific requirements depend on the financing product you choose.
  • Collateral (for Property Finance): For loans tied to property purchases or developments, acceptable collateral and valuation will be required.
    Your dedicated advisor will walk you through the exact requirements for your chosen product and help prepare the necessary documentation.

What is the application process like?

Our application process is designed to be quick and transparent:

  1. Consultation: Book a free call with one of our finance specialists to discuss your business needs, goals, and funding options.
  2. Tailored Assessment: Your dedicated advisor reviews your financials, explores suitable products, and outlines the best options for your unique situation.
  3. Personalised Offer: Once you choose your preferred solution, your advisor handles the details—keeping you informed and supported until funds are secured.
  4. Funding: After approval, funds are disbursed according to your needs and agreed-upon timeline.

What fees or interest rates can I expect?

Tando Capital is committed to full transparency—there are no hidden fees:

  • Competitive Rates: Interest rates and fees vary based on the product, your business’s risk profile, and market conditions.
  • No Surprises: Your dedicated advisor will clearly outline all applicable fees (origination, servicing, or early repayment) before you sign any agreement.
  • Repayment Flexibility: Many of our products offer flexible repayment schedules, such as daily automatic deductions for merchant cash advances or structured installments for business loans.
    If you have more specific questions about cost, simply get in touch via our short form or book a call, and we’ll provide a personalised breakdown.
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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.’

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