Invoice Financing in Harlow

What is Invoice Financing?

Invoice Financing is a working capital solution that allows your business to release funds against outstanding customer invoices. Instead of waiting 30, 60, or 90 days for payments, Harlow companies can access up to 90% of an invoice’s value within 24–48 hours. This flexibility helps you cover payroll, purchase stock, invest in growth, or simply smooth out cash flow peaks and troughs.

Why use Invoice Financing?

Accelerated Cash Flow: Transform unpaid invoices into immediate working capital, so you never miss an opportunity or fall behind on bills.
No New Debt: Unlike traditional loans, you’re borrowing against sales you’ve already made—there’s no need for additional security or stretching out repayments.
Flexible Funding: Your borrowing limit grows as your sales ledger expands, making it ideal for scaling businesses.
Improved Credit Management: With invoice factoring, your finance partner can take over collections, reducing time spent chasing payments.
Local Expertise: As a UK and Harlow–based broker, Tando Capital understands the specific needs of local SMEs and mid-market firms.

How does Invoice Financing work?

Apply & Approve
– Complete our brief online form or speak directly with a finance expert.
– We assess your customer ledger and send you an offer—often within 24 hours.
Upload Invoices
– Send us copies of your outstanding invoices via our secure portal.
– We advance up to 90% of their value immediately.
Access Your Funds
– Receive funds in your account within 24–48 hours, depending on banking cut-offs.
Collections & Balance Release
– If you choose Factoring, we handle collections—freeing you to focus on your business.
– Once your customer pays, we release the remaining balance (minus our fee).
Repeat Monthly
– As you raise new invoices, simply repeat the process. Your facility limit adjusts with your sales volume.

Types Of Invoice Finance

Invoice Factoring

Invoice Factoring converts your unpaid invoices into cash and includes a full collections service. Tando Capital liaises with your customers to collect payments, saving you time and ensuring professional credit management.

Invoice Discounting

With Invoice Discounting, you retain control of customer relationships and collections. You receive immediate funds against your invoices, and your customers aren’t aware of your finance arrangement—ideal for businesses that want confidentiality.

Selective Invoice Factoring

Selective Invoice Factoring lets you pick which invoices to fund, giving you targeted flexibility. Only submit the invoices you need cash for, so you’re never tied into funding your entire sales ledger.

Invoice Financing for Harlow businesses

Harlow's economy encompasses technology, manufacturing, and professional services. The region hosts numerous innovative startups and established companies in engineering and digital sectors. Technology companies often require flexible funding for research and development activities. Manufacturing businesses face inventory investment challenges and customer payment delays. Professional services businesses experience irregular cash flow due to project-based billing structures. The area's proximity to London creates unique business opportunities with specific funding requirements.

Invoice financing provides Harlow businesses with immediate access to working capital from unpaid invoices. Technology companies can fund R&D activities without impacting equity positions. Manufacturing companies can maintain inventory levels and meet production demands without waiting for customer payments. Professional services businesses can smooth irregular cash flows from project-based billing. Commuter belt businesses can manage cash flow fluctuations caused by varying payment terms with clients and suppliers.

Benefits of Invoice Finance with Tando Capital

Fast Approval & Funding: 95 % of applicants receive funds within 48 hours.
Tailored to Your Business: No one-size-fits-all—our experts recommend the best solution (Factoring or Discounting) based on your industry, customer profile, and cash-flow needs.
Transparent Fees: Competitive rates with no hidden charges—what you see is what you pay.
Dedicated Account Manager: A real advisor on hand, not a bot, to guide you through setup, collections (if applicable), and ongoing support.
Local Specialists: We know the Harlow market, sector nuances, and can connect Harlow-based businesses with the right funders for their size and growth plans.

Why Choose Tando Capital?

Human-Led Process: Speak with experienced finance professionals from day one—no automated call trees.
Proven Track Record: 98 % customer satisfaction, with 92 % of clients reporting improved cash flow within their first month.
Full Compliance & Security: FCA-regulated partners, secure data handling, and clear agreements.
One-Stop Funding Hub: Beyond Invoice Finance, we offer Business Loans, Construction Finance, Merchant Cash Advance, Property Finance, Payroll Finance, and more—ensuring all your funding needs are covered in one place.

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Your Finance Requirements

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of approved applicants receive funding within 48 hours.

of clients report improved cash flow within the first 30 days.

customer satisfaction rating based on service and support.

Our Services

We give real conversations with real experts who care about your business.

Essex Tech Invoice Funding for Your Harlow Business

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FAQs

What types of financing does Tando Capital offer?

Tando Capital provides a range of tailored funding solutions to meet diverse business needs:

Business Loans: Flexible funding to grow your business, manage expenses, or invest in new opportunities, with repayment options suited to your cash flow.
Invoice Financing: Unlock cash tied up in unpaid invoices to maintain working capital without waiting for customers to pay.
Merchant Cash Advance: Receive fast funding based on your future card sales, with repayments taken as a percentage of daily takings—ideal for businesses with variable revenue.
Working Capital Solutions: Flexible financing designed to boost cash flow, helping you cover operational costs and seize new opportunities.
Payroll Finance: Bridge short-term cash flow gaps so you can cover wages even when clients pay late.
Property Finance: Funding for commercial, residential, or development projects, including purchases, refurbishments, and investments.

How quickly can I get funding through Tando Capital?

One of Tando Capital’s core priorities is speed. We offer:

Quick Approvals: Our streamlined process delivers funding decisions fast—often within three working days for eligible applicants.
Dedicated Advisor Support: As soon as you complete our short form, a specialist will be in touch within three working days to guide you through the next steps, ensuring minimal delays.

How is Tando Capital different from other finance providers?

Tando Capital stands out by prioritising human expertise over automated bots:

Real Conversations with Human Advisors: Every applicant speaks directly with an experienced finance specialist who understands the nuances of your business.
Tailored Funding Solutions: Instead of one-size-fits-all templates, we build a funding package around your specific goals, challenges, and cash-flow needs.
Transparent Process: From application to approval, we maintain clear communication—no hidden fees, no confusing fine print.

What criteria do I need to meet to qualify for funding?

While criteria vary by product, Tando Capital generally considers:

Business Credit Profile: A healthy or improving credit profile helps secure more favourable rates.
Revenue and Cash Flow: We assess your historical revenue, outstanding invoices, and overall cash-flow stability to tailor the right solution.
Business History: Typically, businesses in operation for at least six months with verifiable financials are preferred, though specific requirements depend on the financing product you choose.
Collateral (for Property Finance): For loans tied to property purchases or developments, acceptable collateral and valuation will be required.
Your dedicated advisor will walk you through the exact requirements for your chosen product and help prepare the necessary documentation.

What is the application process like?

Our application process is designed to be quick and transparent:

Consultation: Book a free call with one of our finance specialists to discuss your business needs, goals, and funding options.
Tailored Assessment: Your dedicated advisor reviews your financials, explores suitable products, and outlines the best options for your unique situation.
Personalised Offer: Once you choose your preferred solution, your advisor handles the details—keeping you informed and supported until funds are secured.
Funding: After approval, funds are disbursed according to your needs and agreed-upon timeline.

What fees or interest rates can I expect?

Tando Capital is committed to full transparency—there are no hidden fees:

Competitive Rates: Interest rates and fees vary based on the product, your business’s risk profile, and market conditions.
No Surprises: Your dedicated advisor will clearly outline all applicable fees (origination, servicing, or early repayment) before you sign any agreement.
Repayment Flexibility: Many of our products offer flexible repayment schedules, such as daily automatic deductions for merchant cash advances or structured installments for business loans.
If you have more specific questions about cost, simply get in touch via our short form or book a call, and we’ll provide a personalised breakdown.

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