Retail businesses can use trade finance to pay suppliers for stock before it sells through the tills, with funding decisions often reached in three to five days.
A retailer pays for stock long before it earns a penny at the counter. Goods are bought from suppliers, importers and wholesalers, put out on the shelves, and only turn into cash as customers buy them over the weeks that follow. Trade finance settles the supplier at the point of order, so a shop can put out the range its customers expect without the whole cost falling on its own till takings first.
Because shoppers pay as they buy, the pressure sits on the buying side rather than on slow-paying accounts. The facility clears as the stock sells through, which means a retailer can buy depth for a busy spell or take a supplier's volume deal instead of trimming the order back to whatever cash is in the bank.
A retailer commits cash to stock well before it has all sold through the tills. The pressures turn up across the year:
Tando is a brokerage built around people, so a retailer gets a dedicated account manager who reads the buy-then-sell cycle rather than feeding numbers into a platform. Most cases get a decision in three to five days, occasionally within hours. The firm holds NACFB accreditation and places funding through FCA-regulated lenders.
A retailer stocking up for a busy spell could use a facility to buy the range, then repay as it sells through the tills. 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, that is the core use. The facility pays your supplier when the stock is ordered, so the shelves can be filled without the cost coming from your own till takings. You repay as the stock sells through. It lets a retailer carry the range and the depth customers expect rather than trimming orders back to whatever cash is currently in the bank.
Retail takings come through card terminals on a steady basis, and a merchant cash advance can advance against those future card sales. It sits alongside or instead of a trade facility depending on how you buy and sell. For a shop with strong card volumes, it can be a quick way to unlock cash from sales that have not happened yet. Your account manager talks through which route fits.
Often, yes. Tando regularly arranges funding for retailers with bad credit or a bounced payment that other brokers turn away. The sales pattern and supplier terms 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 on 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 stock is bought across a broad range and ahead of demand, 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 seasonal window 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 fill the shelves before a busy spell or to take a volume deal before it is gone.
Repayment follows your sales. The facility pays the supplier when stock is ordered, and you repay as the goods sell through the tills. That keeps the cost tied to how quickly the stock moves rather than a rigid monthly figure, so funding does not fall due before the stock it paid for has had the chance to sell.
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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.’
