Used car dealers can use trade finance to fund vehicle stock bought at auction and in part-exchange before it sells, with quick funding decisions.
A used car dealer turns cash into stock at auction, online and through part-exchange, then waits for each vehicle to sell before that money comes back. Cars are sourced, paid for and often reconditioned before they go on the pitch, so the dealer's capital is spread across the whole forecourt at once. Trade finance funds the purchase when a vehicle is bought, so a dealer can buy well at auction without every car coming out of its own pocket first.
Buying the right stock when it appears matters more than waiting for the last sale to clear, and a good auction lot can go quickly. The facility repays as vehicles sell through, keeping the cost tied to the forecourt. For a dealer wanting to hold more stock or move on a block at auction, that means buying when the deal is there rather than waiting for spare cash.
A used car dealer spreads cash across a forecourt of vehicles bought before any of them sell. The pressures recur on the pitch:
Tando runs on conversations rather than automated scoring, so a used car dealer deals directly with one account manager who knows auction buying and forecourt turn. Expect a decision in three to five days, and at times within hours. The firm is NACFB accredited and funds via FCA-regulated lending partners.
A dealer moving on a block of cars at auction could use a facility to buy the stock, then repay as the vehicles sell off the pitch. Where the business is expanding the forecourt or investing in preparation, a business loan can support the wider working capital alongside the stock facility.
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 funds the purchase when a vehicle is bought at auction, online or in part-exchange, so the forecourt stays stocked without the cost coming from your own cash. You repay as the cars sell. It lets a dealer buy well when the stock appears rather than waiting on the last sale to clear before bidding again.
The facility is built around the vehicle purchase, and your account manager can talk through how preparation and reconditioning fit alongside it. The aim is to keep cash free across the forecourt so a car can be bought, prepared and put on sale without the whole cost falling on the business at once. The right structure depends on how you buy and turn stock.
Often, yes. Tando places used car dealers with bad credit or a bounced payment that other brokers avoid. The stock turn and buying pattern carry more weight than a single past problem. Lending partners are FCA-regulated and look at current trading, so an earlier difficulty does not automatically rule out a workable facility for the business.
Facilities typically run from 75,000 to 500,000 pounds, sized to your stock values and turnover. Dealers turning over 200,000 pounds or more a year are the typical fit. Because cash is spread across the whole forecourt, the right figure tends to track the size of the stock you hold rather than a single fixed limit.
Usually within three to five days, and sometimes within hours when an auction or a buying opportunity will not wait. A dedicated account manager handles the case directly rather than an automated queue, so a purchase can be funded quickly enough to secure good stock before it is gone rather than missing the lot.
It tracks how quickly your stock turns. The facility funds each vehicle when you buy it, and the balance clears as cars leave the pitch. Rather than a flat monthly figure, the cost stays tied to the forecourt, so a slower-selling car does not leave you repaying for stock that has yet to find a buyer.
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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.’
