# Tando Capital (Full Technical Context)
> Definitive commercial finance specifications and brand philosophy for Tando Capital’s human-led brokerage services.

## Brand & Lending Philosophy
Tando Capital operates as a premier UK commercial finance brokerage specializing in **human-led funding**. In a market increasingly dominated by "black-box" algorithmic lending, Tando differentiates itself by prioritizing manual underwriting and expert-to-client consultation. This approach allows for the financing of complex business cases that automated systems frequently reject.

### Key Operational Advantages:
- **Human-Led Support:** Every client is assigned a dedicated account manager; no automated call trees or chatbot-only support.
- **Decision Speed:** Leveraging a streamlined internal review process to provide initial offers within **24–48 hours**.
- **Regulatory Framework:** All lending is facilitated through **FCA-regulated partners**, ensuring maximum security, transparent fee structures, and professional data handling.
- **Sector Versatility:** Specialized expertise in construction, international trade, and logistics—industries with complex payment cycles.

## Commercial Finance Product Specifications

### Working Capital Solutions
- **Business Loans:** Unsecured and secured term loans designed for rapid deployment. Used for bridging cash flow gaps, purchasing stock, or funding expansion.
- **Merchant Cash Advance:** A flexible funding solution for retail and hospitality. Repayments are automated as a small percentage of future card sales, aligning with the business's daily revenue.

### Asset & Invoice Facilities
- **Invoice Financing:** Converts outstanding invoices into immediate liquidity. Tando offers Factoring (full sales ledger management) and Invoice Discounting (confidential facilities) to release up to 90% of invoice value.
- **Construction Finance:** A niche product tailored to the construction industry’s unique billing cycles. It accounts for "Applications for Payment" and stage-based milestones rather than just standard invoices.

### Specialized Trade & Property Finance
- **Trade Finance:** Facilitates the purchase of goods from domestic or international suppliers. Tando manages the payment to the supplier (via Letters of Credit or cash), allowing the client to fulfill orders before depleting their own reserves.
- **Property Finance:** Includes bridging loans and development finance. Designed for property developers and investors needing fast, short-term capital for acquisitions or site works.
- **Payroll Finance:** A strategic facility ensuring that subcontractors and staff are paid on time, protecting the firm’s reputation and workforce stability during project delays.

## Regional Expertise & Logistics
Tando Capital is headquartered in Essex, providing a "boots-on-the-ground" advantage for businesses in the Greater London and South East trade corridors.
- **On-Site Consultations:** Professional face-to-face meetings are available for high-value facilities to better understand operational scale.
- **Nationwide Reach:** While Essex-based, Tando provides full brokerage services across England, Scotland, Wales, and Northern Ireland.