Trade finance gives wholesale companies the cash to pay suppliers for stock at the point of order, well before trade buyers settle their accounts.
Wholesaling is a balancing act between paying suppliers and waiting on the trade. Goods arrive from manufacturers and importers, sit in the warehouse as working stock, and only earn once retailers and trade buyers clear their credit terms. Trade finance settles the supplier at the point of order, letting a wholesaler buy the breadth of range its customers expect rather than thinning every line to protect the bank balance.
Repayment is drawn from the takings as stock turns over, so the funding cost tracks how the business actually trades. A wholesaler chasing a volume discount, or building depth before a busy spell, can commit to the order when the deal is on the table instead of when spare cash appears.
The squeeze for a wholesaler sits in the stretch between settling suppliers and collecting from the trade. A few pressures turn up on almost every account:
Tando is a brokerage built around people, so a wholesaler gets a dedicated account manager who reads the buy-then-sell cycle rather than feeding numbers into a platform. Most cases get a decision in three to five days, occasionally within hours. The firm holds NACFB accreditation and places funding through FCA-regulated lenders.
Picture a wholesaler landing a major trade order: a facility buys the stock, and repayment follows once the goods ship and the customer pays. Where buyers drag their feet, invoice finance unlocks the cash sitting in those sales invoices and keeps the next order moving.
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. The facility pays your supplier when the stock is ordered, so you can secure goods without the cost coming from your own cash. You repay once the stock sells through and trade customers pay on their terms. It lets a wholesaler carry the range and the volume its buyers expect rather than rationing orders to available cash.
Yes. Many wholesalers source lines from overseas, and trade finance can fund those supplier payments. Where a supplier wants assurance before shipping, a letter of credit can sit alongside the facility, with the bank undertaking payment once agreed documents are presented. Your account manager arranges the structure that suits how and where you buy, so stock is not held up by an international payment.
Not on its own. Tando regularly arranges funding for wholesalers with bad credit or a bounced payment that other brokers turn away. The confirmed orders and supplier terms carry more weight than a single past difficulty. Lending partners are FCA-regulated and assess the business as it trades now, so an earlier setback does not automatically close the door.
Facilities typically run from 75,000 to 500,000 pounds, sized to your stock spend and order book. Firms turning over 200,000 pounds or more a year are the typical fit. Because stock is bought in volume across a broad range, the right figure tends to track the scale of the orders you carry rather than a single fixed limit.
Usually within three to five days, and sometimes within hours when a supplier deadline or a pricing window is at risk. A dedicated account manager handles the case directly rather than an automated queue, so a stock purchase can be funded quickly enough to lock in a price or secure volume before it is gone.
Repayment follows your sales cycle. The facility pays the supplier when stock is ordered, and you repay once the goods have sold through and trade customers have paid on their terms. That keeps the cost tied to the trading cycle rather than a rigid monthly figure, so funding does not fall due before the stock it paid for has generated income.
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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:
One of Tando Capital’s core priorities is speed. We offer:
Tando Capital stands out by prioritising human expertise over automated bots:
While criteria vary by product, Tando Capital generally considers:
Our application process is designed to be quick and transparent:
Tando Capital is committed to full transparency—there are no hidden fees:
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.’
