Textile and clothing manufacturers can use trade finance to pay mills for fabric and trims before a range sells, with decisions often reached within days.
A clothing range is committed long before it earns anything. Fabric, yarn and trims are ordered from mills that often sit overseas, garments are cut and made, and only then does the range reach buyers who pay on credit terms. Trade finance funds the supplier at the point of order so a collection can go into production on schedule.
That removes the choice between holding a season back and stretching the bank account to breaking point. The materials for a confirmed range are covered while it is produced and shipped, and the facility repays as the season sells through and buyers settle. It lets a manufacturer commit to volume with a clear line of sight on the cash. A season can go into production on time rather than being held back for funds.
Clothing manufacturing front-loads spending into fabric and trims that are bought months before the range earns a penny. The pressure points repeat every single season:
Tando works the way producers prefer, with a dedicated account manager who understands buying fabric a season ahead rather than an online form. Decisions usually come in three to five days, the firm is NACFB accredited, and funding runs through FCA-regulated lending partners. Past credit trouble will not rule a manufacturer out by itself.
A clothing manufacturer with a confirmed wholesale order could use a facility to pay the mill for fabric and put the range into production, then repay as the season ships and buyers pay. Where overseas mills want security before shipping, letters of credit can be arranged alongside.
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. A facility can be sized to cover the fabric, yarn and trims a whole season needs, paid to the mills when the orders go in. You repay as the range ships and buyers settle on their terms. That lets a manufacturer commit to a season at the volume buyers want without funding the entire fabric bill from its own cash.
Many mills abroad want assurance of payment before they ship fabric. A letter of credit gives them that security, with the bank undertaking to pay once agreed shipping documents are presented. It sits alongside a trade finance facility, so your supplier is reassured and your production is not delayed. The account manager arranges both to work together for international buying.
Not automatically. Tando regularly arranges funding for clothing and textile firms with bad credit or a bounced payment that other brokers avoid. The confirmed order and the mill terms carry real weight. Lending partners are FCA-regulated and judge the business as it trades now, so a past rough season does not necessarily stop a workable facility being put in place.
Facilities usually run between 75,000 and 500,000 pounds, sized to the fabric and production spend of your seasons. Manufacturers turning over 200,000 pounds or more a year are the typical fit. Because a season's fabric bill can be large, the right figure tends to track the scale of the orders you are producing rather than a flat cap.
Usually within three to five days, and sometimes within hours when a mill deadline or a shipping slot is at risk. A dedicated account manager runs the case rather than an automated system, so time-sensitive fabric orders can be turned around in time to keep a production and delivery schedule from slipping a whole season.
Repayment follows the season. The facility pays the mill when fabric is ordered, and you repay once the range has shipped and buyers have paid on their terms. That keeps the cost aligned with how clothing actually sells through, rather than a fixed monthly payment that falls due before the range has reached the shop floor.
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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.’
