Vape shops and specialist retailers can use trade finance to fund stock before it sells, with funding decisions often reached in three to five days.
Specialist retailers like vape shops live on range depth and product knowledge, and the stock is paid for upfront. Coils, e-liquids, devices and replacement parts arrive from suppliers and importers, and customers come back regularly for refills and spares once they have settled on what they like. A merchant cash advance can draw on the card takings, while the stock itself is funded so a favourite flavour or coil is rarely out.
In a focused category, a customer who cannot get their usual line will try the shop down the road, so availability holds the custom. Funding the purchase at the point of order, and repaying as the stock sells, lets a specialist retailer carry the breadth of flavours and hardware that keeps regulars loyal rather than narrowing the range to whatever the till can cover.
A specialist retailer commits cash to focused ranges and consumables before they sell through. The pressures repeat:
Tando keeps it personal, pairing a specialist retailer with one account manager instead of a portal queue. Decisions typically come back within three to five days, occasionally within hours. Tando holds NACFB accreditation and funds through FCA-regulated lending partners.
A retailer keeping the popular lines in stock could use a facility to buy depth, then repay as they sell through the till. Where the business is opening a new site or fitting out, a business loan can support the wider working capital alongside the stock facility. How it is structured depends on your ranges and card takings, set out on a first call.
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 pays your supplier when stock is ordered, so the shelves stay stocked without the cost coming from your own till takings. You repay as the stock sells through. It lets a specialist retailer hold the depth on the popular lines customers expect rather than rationing the order to whatever cash is currently in the business.
A vape shop takes most of its money through card terminals, and a merchant cash advance advances against those future card takings. Depending on how you buy and sell, it can run alongside a stock facility or stand on its own. For a shop with strong daily card volumes, it turns sales still to come into cash you can use now. Your account manager sets out which route suits.
Yes. Distributors often drop the unit price on larger orders of liquids or hardware, and a facility funds that bigger buy at the point of order so the discount is not lost. You repay as the stock sells through. It means a vape shop can stock the fast sellers deep and protect margin rather than buying little and often at a higher cost.
Often, yes. Tando arranges funding for specialist retailers with bad credit or a bounced payment that other brokers avoid. The repeat custom 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.
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 focused but deep range, 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 volume offer 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 keep the regular sellers on the shelf or to take a volume deal before it is gone.
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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.’
