Pet shops and pet supply retailers can use trade finance to fund food and accessory stock before it sells, with funding decisions often reached in days.
A pet retailer carries food, bedding, accessories and health lines, and all of it is bought before customers buy it back. Stock comes in from brands, suppliers and importers, fills the shelves, and sells to owners who come back regularly for the essentials. Trade finance settles the supplier at the point of order, so a shop can hold the brands and ranges owners expect without the cost falling on its own till takings first.
Pet food is a repeat purchase, so keeping the popular lines in stock is what brings owners back rather than sending them online. The facility clears as the stock sells through, which lets a retailer buy depth on the regular sellers and take a brand's volume deal instead of rationing the order to whatever the till has taken.
A pet retailer commits cash to a broad range of food and accessories before it sells through. The pressures come up repeatedly:
Tando assigns a real account manager rather than a login, so a pet retailer deals with someone who understands repeat custom and branded ranges. A decision usually follows within three to five days, and can be faster. The firm holds NACFB accreditation and places funding with FCA-regulated lenders.
A retailer keeping the popular food lines in stock could use a facility to buy depth, then repay as they sell through the till. Because shop takings come through card terminals, a merchant cash advance can advance against future card sales 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 shelves stay full without the cost coming from your own till takings. You repay as the stock sells through. It lets a pet retailer hold the brands and depth owners expect rather than rationing the order to whatever cash is currently in the business.
Pet shop takings come through card terminals, and a merchant cash advance can advance against those future card sales. It sits alongside or instead of a stock facility depending on how you buy and sell. For a shop with steady card volumes, it offers a quick way to draw on sales before they have all come through the till. Your account manager talks through which route fits.
Yes. Brands often offer better pricing on volume, and a facility can fund that larger purchase at the point of order so the saving is not lost for want of cash. You repay as the food sells through. It lets a pet retailer take a volume deal on the regular sellers rather than under-ordering and paying more per unit.
Often, yes. Tando arranges funding for pet retailers with bad credit or a bounced payment that other brokers avoid. The repeat custom 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.
Facilities typically run from 75,000 to 500,000 pounds, sized to your stock spend and turnover. Shops turning over 200,000 pounds or more a year are the typical fit. Because food and accessories are bought across a broad range, the right figure tends to track how much you buy rather than a single fixed limit.
Usually within three to five days, and sometimes within hours when a supplier deadline or a volume offer is closing. A dedicated account manager handles the case directly rather than an automated queue, so a stock order can be funded quickly enough to keep the regular sellers on the shelf or to take a volume deal before it is gone.
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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.’
