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What Is Payroll Finance?

Payroll Finance, also known as payroll funding, is a financial solution that enables businesses to access cash to meet payroll obligations by advancing funds against outstanding receivables or assets. This approach ensures employees are paid promptly even when cash flow is tight, reducing the risk of payroll delays.

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Why Use Payroll Finance?

  • Ensure Consistent Cash Flow: Provides reliable access to funds so you can cover wage bills on time, maintaining staff morale and productivity.
  • Drive Business Growth: Frees up capital tied in receivables, allowing you to hire additional employees and seize new contract opportunities.
  • Flexible Repayment: Matches funding to your payroll cycle with short-term advances that adjust as your cash flow changes.
  • No Long-Term Debt: Advances naturally scale with invoicing volume, avoiding the burden of permanent debt on your balance sheet.
  • Streamlined Collections: When combined with factoring services, the finance provider handles receivables management, saving you administrative time.
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How Does Payroll Finance Work?

  1. Submit Invoices or Assets: You send your outstanding invoices or asset details to a payroll finance provider for assessment.
  2. Receive Advance: Upon approval, the provider advances a percentage of the value—typically 80–90%—directly into your account within 24–48 hours.
  3. Cover Payroll: Use these funds immediately to meet wage obligations without waiting for client payments.
  4. Settle Balance: Once clients pay or assets mature, any remaining balance (minus fees) is released back to you.

Types of Payroll Finance

Payroll Advances

Payroll Advances provide businesses with fast lump-sum funding to cover upcoming wage bills, advanced against future receivables or payroll cycles, often approved and disbursed within 24–48 hours. These advances avoid permanent debt by structuring repayment through scheduled deductions or revenue-linked instalments, helping firms maintain staff morale without dipping into reserves.

Client Payment Bridging

Client Payment Bridging solutions allow businesses to receive advances of up to 90 % of issued invoices, helping bridge cash-flow gaps during client payment delays.  Providers handle collections quickly and efficiently, freeing internal resources and safeguarding payroll obligations until full invoice settlement.

Emergency Payroll Cover

Emergency Payroll Cover is a contingency funding service that activates when unforeseen events threaten payroll delivery. With service-level agreements as low as two hours, specialised teams step in to process payroll accurately and promptly, de-risking your payroll when time is critical.

Benefits of Payroll 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 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.
  • UK & Essex Specialists: We know the local market, sector nuances, and can connect you with the right funders for your business 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 Payroll Finance, we offer Invoice Finance, Business Loans, Property Finance, Merchant Cash Advance, Property Finance, Construction Finance, and more—ensuring all your funding needs are covered in one place.
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Our Mission Is To Make Finance Faster, Fairer, And More Human.

connecting businesses with real experts, not automated systems.

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95
%
of approved applicants receive funding within 48 hours.
92
%
of clients report improved cash flow within the first 30 days.
98
%
customer satisfaction rating based on service and support.

Our Services

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

Business Loans

Access flexible funding to grow your business, manage expenses, or invest in new opportunities—with repayment options suited to your cash flow and goals.

Invoice Finance

Invoice financing lets you unlock cash tied up in unpaid invoices, giving your business faster access to working capital without waiting for customers to pay.

Construction Finance

Tailored financial solutions specifically for construction companies to manage projects, procure materials, and ensure steady progress through every development phase.

Merchant Cash Advance

Get fast funding based on your future card sales, with repayments taken as a percentage of daily takings—ideal for businesses with fluctuating revenue.

Property Finance

Finance for property purchases, developments, or refurbishments—supporting commercial, residential, and investment projects with tailored lending options.

Payroll Finance

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.

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:

  1. Consultation: Book a free call with one of our finance specialists to discuss your business needs, goals, and funding options.
  2. Tailored Assessment: Your dedicated advisor reviews your financials, explores suitable products, and outlines the best options for your unique situation.
  3. Personalised Offer: Once you choose your preferred solution, your advisor handles the details—keeping you informed and supported until funds are secured.
  4. 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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