Online retailers can use trade finance to fund branded stock before it sells online, with funding decisions often reached in three to five days.
An online retailer holds branded ranges ready to ship, all bought before a single order is placed. Stock comes in from suppliers, brands and importers, sits in the fulfilment space, and goes out as customers order, with the takings arriving later through the payment processor. Trade finance pays the supplier at the point of order, so a retailer can keep the popular lines in stock without the cost landing on its own cash before the sales do.
Shoppers expect quick dispatch, so running out of a bestseller costs orders that go straight to a rival. The facility clears as the stock sells, which lets an online retailer hold depth on the lines that move and back a larger buy rather than rationing the order to the cash on hand.
An online retailer pays for stock up front and waits on processor payouts, while stock-outs quietly cost orders. The pressures repeat:
Tando runs on conversations rather than automated scoring, so an online retailer deals directly with one account manager who knows fast dispatch and processor payouts. Expect a decision in three to five days, and at times within hours. The firm is NACFB accredited and funds via FCA-regulated lending partners.
An online retailer restocking a bestseller could use a facility to buy the stock, then repay as it sells and the processor releases the takings. Because online takings come through card payments, a merchant cash advance can advance against future receipts as a complementary route.
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 when stock is ordered, so the popular lines stay in stock without the cost coming from your own cash. You repay as the goods sell and the processor releases the takings. It lets an online retailer hold depth on the lines that move rather than rationing orders to whatever cash is currently available.
Online sales settle through a card processor, and a merchant cash advance can advance against those future card takings. It can run alongside or instead of a trade facility depending on how you buy and sell. For a retailer with steady online card volumes, it offers a quick way to draw on sales before the cash has fully landed. Your account manager explains which route suits.
Yes. Many online retailers source ranges from overseas, and trade finance can fund those supplier payments. Where a supplier wants assurance before shipping, a letter of credit can sit alongside the facility. Your account manager arranges the structure that suits how and where you buy, so stock is not held up by an upfront overseas payment while demand is building.
Often, yes. Tando places online retailers with bad credit or a bounced payment that other brokers avoid. The sales 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 for the business.
Facilities typically run from 75,000 to 500,000 pounds, sized to your stock spend and sales volumes. Firms turning over 200,000 pounds or more a year are the typical fit. Because demand can swing on the lines that sell, the right figure tends to track how much stock you are buying rather than a single fixed limit.
Usually within three to five days, and sometimes within hours when a bestseller is close to selling out. A dedicated account manager handles the case directly rather than an automated queue, so a restock can be funded quickly enough to keep a popular line available rather than losing the order to a rival who has it in stock.
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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.’
