Pharmaceutical companies can use trade finance to fund raw materials through a long production cycle while wholesalers and the NHS pay slowly, with quick funding decisions.
Pharmaceutical production carries a long gap between buying raw materials and being paid. Active ingredients and inputs, often imported, are bought ahead of a production and quality cycle that takes time, and the finished products are then sold to wholesalers and the NHS, which pay slowly. Invoice finance can release cash held in those slow-paying sales while production keeps moving.
That long cycle makes working capital the constant pressure. A trade facility pays the raw material supplier when the order is placed, so production is not delayed for the sake of cash, and repayment follows once the finished product is sold and the buyer settles. It lets a manufacturer commit to a run without the input bill and the slow payers squeezing the business at the same time.
Pharmaceutical manufacturing stretches the gap between spend and income at both ends, with slow institutional buyers waiting at the back. The pressure points stack up across the cycle:
Tando is a human-led brokerage, so a pharmaceutical company works with a dedicated account manager who understands a long production cycle and slow institutional payers rather than an automated platform. Decisions usually arrive in three to five days, the firm is NACFB accredited, and lending partners are FCA-regulated. A past credit issue is not a barrier by itself.
A pharmaceutical manufacturer with a confirmed wholesaler order could use a facility to buy raw materials and run production, then repay once the finished products are sold and paid for. With the supplier covered at the point of order, trade finance keeps the production cycle from stalling on cash.
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 the raw material supplier when the order is placed, so production can run through its full cycle without the input cost coming from your own cash. You repay once the finished products are sold and the buyer pays. That matters in a sector where the gap between spend and income is unusually long.
It is built around it. Pharmaceutical production and quality cycles take time, and institutional buyers pay slowly, so the facility is structured so repayment follows when the product actually sells rather than a fixed early date. The account manager sizes and times it to your cycle, so funding is not falling due while a batch is still in production.
Yes. Active ingredients and inputs are frequently 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 source, so production is not delayed by an international payment.
Facilities usually run from 75,000 to 500,000 pounds, sized to your raw material spend and order book. Firms turning over 200,000 pounds or more a year are the typical fit. Because inputs are bought ahead of a long cycle and buyers pay slowly, the right figure tends to track the scale of your production runs.
Slow institutional payment is expected in the sector and does not count against an application. A reliable buyer on a confirmed order shows the income is coming. Where those invoices sit unpaid for long periods, invoice finance can release the cash tied in them, while the trade facility covers the raw materials at the front of the cycle.
Generally recent accounts or management figures, the order being supplied, and quotes from your raw material suppliers. The account manager keeps the paperwork light and confirms exactly what your case needs. Because the decision rests on the order and the supplier terms rather than a tick-box form, documents are usually gathered quickly once a run is confirmed.
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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.’
