Roofing contractors can use trade finance to pay for tiles, slates and membranes before a job completes, with funding decisions often reached within days.
Roofing work front-loads the cost. A re-roof or a new commercial deck needs tiles, slates, membranes, battens and insulation ordered and delivered before a single course is laid, yet payment usually lands on completion or in stages. Trade finance bridges that gap by paying the merchant when the order goes in.
That keeps a roofing firm able to say yes to a run of jobs without each one draining the account. Materials for the next contract can be secured while the last one is still waiting to be paid, so a busy season builds momentum instead of stalling on cash. The facility unwinds as each completed job settles. A steady book of work then funds itself rather than each new contract competing for the same limited cash.
Roofing spend is concentrated right at the start of each job, which keeps steady pressure on the cash a firm has to hand. The common issues are familiar to every contractor:
Tando is human-led, so a roofing contractor works with a dedicated account manager rather than an online portal, someone who understands that materials are bought long before the invoice is paid. Decisions usually come in three to five days, the brokerage is NACFB accredited, and lending partners are FCA-regulated. Credit history alone will not rule you out.
A roofing contractor booked for several re-roofs could use a facility to order all the tiles and membrane upfront, then repay as each job completes and pays. When invoices stack up faster than clients settle them, invoice finance can release that tied-up cash too.
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 of trade finance for roofing. The facility pays the merchant when tiles, slates and membrane are ordered, so the materials are on site ready to start. You repay once the job completes and the client pays, which means a large order no longer has to come out of your own cash before any income arrives.
It works particularly well in that situation. A facility can be sized to cover stock for several jobs running close together, rather than one at a time. As each roof completes and pays, that part of the facility frees up for the next order. The account manager sizes it to your booked work so a busy run does not outpace your funding.
Often, yes. Tando places firms with bad credit or a past bounced payment that other brokers turn away. The order and the booked work matter more than a single setback. Lending partners are FCA-regulated and judge the business as it trades now, so a difficult patch in the past does not automatically stop a workable facility being arranged.
Usually within three to five days, and sometimes within hours when a merchant order needs placing fast. A dedicated account manager handles it directly rather than an automated system, so an urgent order ahead of a weather window can be turned around quickly. The aim is funds in place before the merchant deadline so the job starts on time.
Tando typically arranges facilities from 75,000 pounds upward, to a ceiling around 500,000 pounds, and works best with firms turning over 200,000 pounds or more a year. There is no strict minimum business size, though the structure suits established roofing contractors with regular booked work rather than the occasional one-off job. The account manager matches the figure to your order book.
Repayment follows the job, so a weather delay pushes the timeline rather than triggering a penalty cycle. The facility is built around completion and payment, not a rigid monthly date. If a run of bad weather stretches a job, talk to your account manager early; keeping the line of communication open is part of how a human-led brokerage handles real site conditions.
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Contact UsInvoice financing lets you unlock cash tied up in unpaid invoices, giving your business faster access to working capital without waiting for customers to pay.
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Get fast funding based on your future card sales, with repayments taken as a percentage of daily takings—ideal for businesses with fluctuating revenue.
Finance for property purchases, developments, or refurbishments—supporting commercial, residential, and investment projects with tailored lending options.
Ensure your team is paid on time, every time. Payroll finance bridges short-term cash flow gaps so you can cover wages even when clients pay late.
Empower your supply chain and secure global growth with flexible, human-led funding solutions.
Secure international trade with confidence. Work with new partners, and grow your business across borders without putting cash up front.
Draw funds when you need them, repay when you can, then draw again.
Tando Capital provides a range of tailored funding solutions to meet diverse business needs:
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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.’
