Trade finance lets manufacturing companies pay for raw materials and components before finished goods are sold, with funding decisions often reached in three to five days.
Manufacturing runs on a simple but punishing cycle: pay for raw materials and components first, produce the goods, then wait to be paid once they are sold. Trade finance funds that first step, paying suppliers when stock is ordered so a production run can start without draining the bank.
The facility unwinds as the finished goods are sold and the income arrives, so the cost lines up with the trading cycle rather than fighting it. For a manufacturer holding a large order, that means committing to a run with confidence instead of rationing materials to whatever cash happens to be on hand. It keeps the line moving and the order book open. A confirmed order can be turned into a production run without waiting on the bank.
Manufacturers commit money to a production run well before a single unit is sold, and raw materials are the first and largest call on cash. The recurring pressures are clear across the sector:
Tando is a human-led brokerage, so a manufacturer works with a dedicated account manager who understands the make-then-sell cycle rather than an automated platform. Decisions usually arrive within three to five days, and sometimes within hours. The firm is NACFB accredited and funds through FCA-regulated lending partners.
A manufacturer landing a large wholesale order could use a facility to buy the raw materials and run the line, then repay once the finished goods are delivered and paid for. When customers settle slowly, invoice finance can release the cash held in those sales invoices.
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.
Usually within three to five days, and sometimes within hours when a supplier needs paying to hold a production slot. Tando looks at the order and the supplier terms rather than running everything through an automated score. A dedicated account manager handles the case from the start, so you are not waiting in a queue while a material order sits unconfirmed.
Yes. Many manufacturers buy raw materials and components from abroad, and trade finance can fund those supplier payments. Where an overseas supplier wants security before shipping, a letter of credit can sit alongside the facility. Your account manager will set up whichever structure fits how and where you buy, so production is not held up by an international payment.
Not on its own. Tando regularly arranges funding for firms with bad credit or a bounced payment that other brokers turn away. The order in hand and the supplier terms 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.
Tando typically arranges facilities between 75,000 and 500,000 pounds, and works best with firms turning over 200,000 pounds or more a year. There is no fixed minimum business size. The right figure depends on your raw material spend per run and how many orders you produce at once, which the account manager sizes to your trading pattern.
Repayment follows your sales cycle. The facility pays suppliers when materials are ordered, and you repay once the finished goods are sold and the customer has paid. That keeps the cost tied to the run rather than a rigid monthly figure, so funding does not fall due before the products it paid for have generated income.
Generally recent accounts or management figures, the customer order being fulfilled, and the supplier quote for the raw materials. Tando keeps the paperwork light and the account manager confirms exactly what your case needs. Because the decision leans on the order rather than a tick-box form, gathering the documents is usually quick once a production run is confirmed.
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Finance for property purchases, developments, or refurbishments—supporting commercial, residential, and investment projects with tailored lending options.
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.
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.’
