An introduction to the human led company

We work hard to…

Find the best price to suit you and your business

We start with a real conversation. Book a free call with one of our finance specialists to discuss your business needs, goals, and funding options.

Understand what makes your business tick.

Before suggesting any funding, we take the time to understand how your business runs — your challenges, your opportunities, and what you’re aiming for. No scripts, just real conversations that lead to tailored solutions.

Build funding around your future, not your past.

We don’t just look at numbers on paper — we look at potential. Whether you're scaling, stabilising, or starting fresh, we work with you to structure finance that supports where you're headed.

Our team

Meet the people behind your funding real experts, here to help you grow.

Perry Milton-Osborne

Managing Director

With over a decade of experience in financial services, our Managing Director brings a proven track record of securing tailored funding solutions for businesses across a wide range of sectors. Known for a can-do attitude and a highly personal approach, they lead the firm with a strong belief that every client deserves straightforward advice, clear communication, and a solution that truly fits.

Having spent 6+ years navigating the complexities of commercial finance, they understand the importance of speed, flexibility, and trust in today’s fast-paced business environment. Whether it's invoice finance, working capital, or growth funding, their expertise ensures clients receive clear guidance and the right outcome every time.

Driven by results, grounded in experience, and powered by relationships – that's the leadership behind our brokerage.

Emma Wade

Head of Accounts

Bringing a wealth of experience in accounting, administration, and credit control, our Head of Accounts plays a vital role in keeping the financial operations of the business running smoothly and efficiently. With a sharp eye for detail and a strong understanding of financial compliance, they ensure our internal processes are robust, accurate, and aligned with best practices.

Their expertise supports not only the day-to-day management of accounts but also strengthens the trust and reliability we extend to our clients and funding partners. Whether it's overseeing client transactions, managing credit risks, or streamlining administrative workflows, their proactive approach helps drive the financial stability and growth of the brokerage.

Dependable, organised, and highly experienced – our Head of Accounts is a key pillar of our commitment to operational excellence.

Our Mission Is To Make Finance Faster, Fairer, And More Human.

connecting businesses with real experts, not automated systems.

Contact Us
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.

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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