Plumbing and heating suppliers can use trade finance to stock boilers, pipe and fittings ahead of demand, repaying as installers buy and pay.
Boilers, pipe, valves, fittings and controls crowd a plumbing supplier's racks, every item bought before an installer hands over a penny. Stock lands from manufacturers and importers, waits on the shelf, and sells to plumbers and heating engineers on trade accounts. Trade finance clears the supplier when an order is placed, so the racks hold the kit installers need without high-value boilers locking up the cash.
Demand lifts as the cold sets in, so buying deep before winter beats waiting on the accounts to clear. The facility is repaid as the stock moves and installers pay, keeping the cost aligned with how the season actually sells through. Availability matters in this trade, since an installer with a job booked will buy where the part is in stock rather than wait for a delivery.
A plumbing supplier funds the shelves well before installers clear their accounts, and the season piles on more. The pressures repeat through the year:
Tando keeps the process human: a plumbing and heating supplier works with one account manager who follows seasonal stock and installer accounts. A decision is typically reached within three to five days, occasionally within hours. The firm is NACFB accredited and uses FCA-regulated lenders.
A supplier stocking up before winter might draw on a facility to buy boilers and fittings deep, repaying as installers buy and pay. For suppliers ordering stock on a rolling basis, a revolving credit facility keeps working capital on tap between orders. How the facility is shaped depends on the season and how installers settle their accounts, and that is mapped out on the first call.
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 racks stay filled without the cost coming from your own cash. You repay as the stock sells through and the trade accounts settle. It lets a supplier hold the boilers, pipe and fittings installers expect rather than holding orders back until the accounts have cleared.
It suits seasonal buying well. Demand for boilers and heating stock climbs as winter approaches, so buying deep ahead of the peak protects sales. Trade finance funds that purchase at the point of order rather than waiting for cash, then repays as the stock sells. Your account manager sizes the facility around the season rather than a flat monthly schedule.
Often, yes. Tando places plumbing and heating suppliers with bad credit or a bounced payment that other brokers avoid. The order flow and supplier terms carry more weight than a single past difficulty. Lending partners are FCA-regulated and look at current trading, so an earlier setback does not automatically rule out a workable facility.
Facilities usually run from 75,000 to 500,000 pounds, sized to your stock spend and order book. Firms turning over 200,000 pounds or more a year are the typical fit. Because high-value items such as boilers tie up cash, the right figure tends to track the depth of stock you carry rather than a single fixed cap.
Usually within three to five days, and sometimes within hours when a supplier deadline or the start of the heating season is pressing. A dedicated account manager handles the case directly rather than an automated queue, so a stock order can be funded quickly enough to stock up before demand climbs and the racks come under pressure.
Repayment follows your sales cycle. The facility pays the supplier when stock is ordered, and you repay as the stock sells through and installers settle their accounts. That keeps the cost tied to the trading cycle rather than a rigid monthly figure, so funding does not fall due before the stock it paid for has been sold to the trade.
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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.’
