NHS suppliers and medical equipment companies can use trade finance to fund stock before the NHS pays on its terms, with quick funding decisions.
A medical equipment supplier pays for stock long before the NHS settles the invoice. Equipment, devices, consumables and PPE are bought from manufacturers and importers, held ready for order, then supplied to trusts, hospitals and care providers that pay on thirty-day terms or longer. Trade finance covers the supplier payment when the goods are ordered, so a contract can be fulfilled without the whole cost sitting on the supplier's own balance sheet until the public-sector ledger clears.
Public-sector buyers are reliable but rarely quick, so the gap between paying for goods and being paid can stretch across weeks. The facility repays once the NHS or the care provider pays, keeping the cost tied to the contract rather than the calendar. For a supplier winning a larger framework order, that means saying yes to the volume rather than rationing it to available cash.
A medical supplier carries the cost of goods between paying the manufacturer and being paid by the NHS, and public-sector terms widen that gap. The pressures recur across contracts:
Tando is a human-led brokerage, so a medical supplier works with a dedicated account manager who understands public-sector payment terms 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 supplier winning a framework contract could use a facility to buy the equipment, then repay once the trust pays. Where invoices to the NHS sit on long terms, invoice finance can release the cash held in them, and a letter of credit can give an overseas manufacturer certainty before shipping.
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 the core use. The facility pays your manufacturer when the goods are ordered, so a contract can be supplied without the cost coming from your own cash. You repay once the NHS or the care provider settles the invoice. It lets a supplier take on the volume a framework order calls for rather than rationing it to whatever cash is currently in the business.
The NHS and other public-sector buyers often pay on thirty-day terms or longer, which leaves cash tied up in issued invoices. Invoice finance advances against those invoices, releasing the cash before the buyer pays. It sits alongside a trade facility, one funding the purchase of stock and the other releasing cash from the sale. Your account manager can set them up to work together.
Yes. A good deal of medical equipment and consumables is sourced from overseas, and trade finance can fund those manufacturer payments. Where a manufacturer 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 contract is not held up by an upfront overseas payment.
Often, yes. Tando regularly arranges funding for medical and NHS suppliers with bad credit or a bounced payment that other brokers turn away. The contract flow and buyer strength 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 contract volumes. Firms turning over 200,000 pounds or more a year are the typical fit. Because framework and tender orders vary in size, the right figure tends to track the value of the contracts you are supplying rather than a single fixed limit.
Usually within three to five days, and sometimes within hours when a tender deadline or a manufacturer cut-off is at risk. A dedicated account manager handles the case directly rather than an automated queue, so an order can be funded quickly enough to meet a contract start date rather than waiting on the public-sector payment cycle.
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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.’
