Are you planning to invest in new assets for your organisation? Before you part with working capital or compromise due to budget constraints, you might want to consider financing the purchase.
Asset finance enables you to acquire the assets you need to carry out your operations without having to pay the full cost upfront. Instead, the cost of the asset is spread out over a period enabling you to keep capital for other investments and, thanks to fixed regular repayments, manage your cashflow more effectively.
Bluestone Capital helps businesses access the right funding solutions to support long-term success. With asset finance, you can spread the cost of investments over time, keeping cash in the business with predictable monthly payment,
Whether you're scaling operations, upgrading systems, or replacing essential kit, our team is here to help you fund progress quickly and simply.
From office furniture to agricultural machinery, IT software packages to chip shop fryers, warehouse fit outs to hairdressing equipment and plant machinery to solar panels, there isn't much that we can't finance.
Strategically, financing assets can transform how you think about procurement in general - no need to compromise by using assets beyond their useful life, or face spikes in demand on your cashflow when their renewal becomes business critical.
Spreading the cost over time can help you keep more cash in your organisation while acquiring the assets you need to grow, without the compromises or delays often caused by budget restrictions.
Unlike cash, finance can unlock 100% tax relief (on both capital and interest).
Sinking your capital into ultimately depreciating assets isn't the best use of your money. Finance lets you keep the cash so you can invest where it's needed.
With rates fixed throughout the term, budgeting and planning for growth is much easier.
When leasing you can avoid having to part with VAT as a lump sum upfront as it's often spread over your repayments (does not apply to Hire/Lease Purchase agreements).
Never again face unexpected spikes in your expenditure that you have not budgeted for. Spreading the cost lets you plan, avoid equipment redundancy and take control of future investments.
Over-reliance on your primary funder is never a great strategy. Accessing specialist funders increases your available credit lines and reduces your risk.
We can wrap all your project costs into one finance package and cover all your expenditure including non-asset-based elements such as labour, fees and delivery.
With a finance lease, you get full use of the asset while the funder retains legal ownership. You pay regular rentals (plus VAT, which is reclaimable), and at the end of the term your obligation is to return the equipment. However, you may have options to extend the lease, upgrade the equipment or take continued use. This is a flexible way to access high-value assets without large capital outlay.
This option works if you want to own the asset outright at the end of the agreement. You’ll usually pay the VAT upfront, followed by fixed monthly instalments. Once the final payment is made, along with a purchase fee, the asset becomes yours.
An operating lease allows you to rent equipment for a fixed term without ever taking ownership. Because the asset retains value at the end of the term (the residual value), your monthly payments are typically lower, but the overall cost including the residual finance maybe higher. It’s a great solution for short- or medium-term needs or fast-moving tech where regular upgrades are needed.
A sale and finance back (lease or hire purchase) facility is a good option for businesses who have invested capital into assets or equipment, but they need to release some of the cash back. Essentially, sale and finance back is a financial arrangement where a company sells an asset and then finances that equipment back from the purchaser. The terms of the sale and finance back agreement can be flexible depending on your situation, but typically long-term leases are more common as they provide stability and predictability for both the seller and the buyer. The end of the agreement is reflective of the underlying finance agreement.
Asset finance involves obtaining financing for assets such as equipment or vehicles to support business growth or achieve other financial goals. As an asset finance broker, Bluestone offers a range of services to help clients obtain the financing they need for their assets, including loan sourcing, loan structuring, and loan negotiation.
Bluestone can offer finance for a wide range of assets, including but not limited to vehicles, agricultural equipment, machinery, and commercial properties.
Asset finance is a type of financing that allows organisations to acquire assets, such as equipment, vehicles, or property, without having to pay the full upfront cost. Our asset finance services provide a range of options to meet the specific needs of your business, including leasing, hire purchase, and loan financing.
The eligibility requirements for asset financing will vary depending on the lender and the type of financing you choose. Generally, lenders will look at your credit score, revenue, and financial history to determine your eligibility. Some lenders may also require collateral or a personal guarantee.
Repayments will vary depending on the lender and the type of financing you choose. Generally, repayments have fixed repayment terms and interest rates, whilst others have a variable interest rate based on the time it takes for invoices to be paid.
The timeline for securing asset finance can vary depending on the complexity of the financing arrangement and the specific requirements of the borrower. However, we work closely with our clients throughout the process to ensure that their financing needs are met in a timely and efficient manner. Key steps in the asset finance process typically include loan sourcing, loan structuring, loan negotiation, and loan closing. You can also register to the Bluestone Portal to get a quote, submit an application and go through the process all the way to payout yourself.
Yes, there are some assets that may not be eligible for leasing, such as intangible assets for example patents or trademarks. This is because these assets cannot physically be used or sold by the lender as collateral.
We offer financing for a wide range of assets, including equipment, technology, vehicles, IT hardware and software, furniture, fit outs, security, renewables, property and more. There may be some restrictions or limitations based on the type of asset and the specific financing product, but we would be happy to discuss your needs and determine if there are any constraints.
The application process for asset finance typically involves completing an application form, providing relevant documentation, such as financial statements, and undergoing a credit assessment. We aim to make the application process as streamlined as possible. You can view what documentation is required by a funder to support your application here. In most cases, decisions will be made, and quotes will appear within your Portal Dashboard within minutes.
There may be fees associated with applying for asset finance, such as valuation fees or application fees, and early repayment penalties may apply if the borrower decides to repay the loan before the end of the agreed-upon term. However, the specific fees and penalties can vary based on the lender and the asset being financed. All fees are detailed within the terms and conditions of your agreement. It is important you make sure you agree to these before signing any finance agreement.
