A utilities contractor can use trade finance to buy cable, pipe and fittings when ordered, then repay as a job is paid on staged or completion terms.
Utility and infrastructure jobs start with materials going out the door before any valuation is paid. Cable, ducting, pipe, jointing, meters and switchgear are ordered from suppliers and importers, laid in across the works, and only paid for on a staged valuation or at completion. Trade finance meets the supplier when the materials are ordered, so the works can mobilise without the materials bill resting on the contractor's own balance.
Framework agreements bring steady work but staged payments, so materials are consumed long before the client signs off the valuation. Repayment follows the job, so the cost tracks the works. Mobilising a larger scheme, or running several frameworks together, then comes down to the order book rather than to whether the cash is spare to buy materials for each.
A utilities contractor funds materials between ordering them and a staged valuation being paid. The pressures recur across schemes:
Tando keeps the process human, pairing a utilities contractor with one account manager who knows staged payments and materials procurement rather than a portal queue. A decision is typically reached within three to five days, occasionally within hours. Tando holds NACFB accreditation and funds through FCA-regulated lending partners.
Take a contractor mobilising a mains replacement framework: a facility buys the materials, and repayment follows as each valuation is paid. Where the wider build cost needs covering across a staged programme, construction finance can sit alongside the materials 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 merchant is paid when the cable, pipe or fittings are ordered, so the works can mobilise without the materials bill resting on your balance. You repay as each staged valuation is paid or at completion. It lets a contractor take on a scheme and buy the materials it needs rather than waiting on the cash to come in.
Trade finance funds the materials and equipment you buy for a job, while construction finance can fund the wider build cost across a staged programme. The two sit alongside each other, one covering procurement and the other the works themselves. For a contractor running framework schemes, your account manager can structure them together so cash is available across the whole job.
Yes. Equipment and switchgear are often sourced from overseas, and trade finance can fund those supplier payments. Where a manufacturer wants assurance before shipping, a letter of credit can sit alongside the facility, with the bank undertaking payment against agreed documents. Your account manager arranges the structure that suits how and where you procure, so mobilisation is not held up by an upfront payment.
Often, yes. Tando places utilities contractors with bad credit or a bounced payment that other brokers avoid. The order book and supplier terms 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 materials spend and contract values. Firms turning over 200,000 pounds or more a year are the typical fit. Because framework schemes vary in size, the right figure tends to track the value of the works you are running rather than a single fixed limit.
Usually within three to five days, and sometimes within hours when a supplier deadline or a mobilisation date is at risk. A dedicated account manager handles the case directly rather than an automated queue, so a materials order can be funded quickly enough to mobilise for a scheme on time rather than waiting on the client's staged payments.
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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.’
