Cashflow Finance

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Overview Cashflow Finance

What is Cashflow Finance?

Cashflow finance provides capital to a business to cover day-to-day operations, which is repaid over a fixed period. This type of financing can help companies with fluctuating or irregular cash flow to meet their funding needs, enable growth and improve their liquidity.

If you would like to discuss cashflow financing options for your business, get in touch for a no-obligation conversation with our expert team.


Types of Cashflow Financing

There are several types of cashflow financing including:

From slow-paying customers, inadequate cash reserves, or high debt levels, to seasonal market fluctuations, cash flow problems are a common frustration for organisations of every size. Common, but a serious issue that should never be ignored.

To ensure you can pay your suppliers, utility bills, wages, and more, you need a healthy cashflow underpinning your organisation.

Bluestone can arrange bespoke cashflow finance for your organisation that keeps you running like clockwork and realising your ambitions.

Contact us today to discuss your cashflow strategy and the potential solutions we can provide.

Got a question?

Got a question? Get in touch with us and our team of dedicated account managers will be happy to help.

Cashflow finance illustration - A woman making a payment using a card machine.
Discover types of invoice finance...

Invoice Discounting

With invoice discounting, you maintain credit control which means you can manage your client relationships. This is a more time-consuming approach as you will need to chase payments yourself. Invoice discounting is generally available to more established businesses with higher turnover.

The benefits of Invoice Discounting are:

  1. Generally higher advance levels (up to 90% of the invoice value immediately).
  2. Confidentiality
  3. Suitable for profitable businesses with good internal accounting systems.
  4. Credit insurance can be provided for larger debtors.

Benefits of keeping cash in your business

Maintaining positive cashflow in your business and utilising finance solutions to fund your assets will help support continued investment in other areas such as overheads, employment and further growth.

Benefit from:

  1. Fixed repayments spread out over time.
  2. Tax benefits.
  3. Maintain healthy cashflow within the business to invest in other important areas of your business.
  4. Reduce risk.
  5. Continue positive relationships with partners and suppliers.

Discover more about Bluestone and how we can help your business secure finance today!

Cashflow finance activities - Two women engaged in accounting and business forecasting using a laptop.
Discover types of invoice finance...

Invoice Factoring

With an invoice factoring facility, the lender provides a ‘credit control’ functionality on your behalf, chasing late payments and performing credit checks on potential customers so you can concentrate on running your business. In this scenario, your customers will know you’re using a factoring provider. This option is often better suited to younger businesses or those with a smaller turnover.

Representative Example

Gemma is owed £10,000 by a previous client for a completed project, but the invoice has payment terms of 30 days. Gemma agrees to an invoice finance deal that will give her 85% of the invoice up-front, with total fees and charges at 3%.

  • Invoice value = £10,000
  • Advance amount (85%) = £8,500
  • Fees (3%) = £300

When Gemma sends the invoice to the lender, she receives an advance of £8,500 within a couple of days. Then, when the customer pays the invoice, the full £10,000 goes into a bank account controlled by the lender.

Gemma gets the remaining value of the invoice (£1,500) minus the lender’s 3% fee (£300), so she receives £1,200.

Cashflow Finance

Frequently Asked Questions

Can you explain the different types of financing options available for vehicles, and which one would be best suited to my needs?

There are various financing options available for vehicle purchases, including traditional bank loans, several leasing options, and government-sponsored programs. We will help you determine the best option for your needs based on factors such as the value of the vehicle, your credit history, and your budget.


Are there any special financing programs or incentives available for vehicle purchases, and if so, can you provide more information on these?

There may be special financing programs or incentives available for vehicle purchases, such as incentives for environmentally friendly vehicles or special financing programs for first-time buyers. We would be able to provide more information on these programs and help you determine if you are eligible.


What are the repayment terms and conditions for financing a vehicle, and how do they impact my cash flow?

Repayment terms for financing a vehicle can vary depending on the type of financing and lender. We would be able to provide information on the repayment terms for each option, including the length of the loan, the interest rate, and any additional fees or charges. We will help you understand how the repayment terms may impact your cash flow.


How does financing a vehicle impact my credit score and financial standing, and can you provide advice on how to maintain a positive credit score while using financing for a vehicle purchase?

Financing a vehicle can impact your credit score and financial standing, and it is important to consider this when making a decision. Bluestone is able to provide advice on how to maintain a positive credit score while using financing for a vehicle purchase, including making timely repayments and using financing responsibly.


Great! How do I get involved with Bluestone rewards?

First things first, you need to have a signed trading agreement with us, check with your account manager to make sure your business has one in place.


How do I get a Bluestone Rewards card?

The first time you earn rewards you will be sent an email asking you to register for your card. Follow the instructions but please make sure that the email address you use is your business email and the address is your home address otherwise your application may be rejected. Typically, your card will be posted out to your home address within 5-10 days. You will need to activate your card, instructions on how to do this will be sent with your card.


How does a Bluestone Rewards card work?

The card is a pre-paid Visa card and is reloadable so, every time you earn more rewards, your rewards will be uploaded to your card, monthly in arrears. We will notify you when your card is loaded but you can also manage your account online using our app.


Are there any other benefits to Bluestone Rewards?

Yes! You can earn cashback savings of up to 5% by spending your rewards online or in store with over 50 selected retailers and even 2.5% with selected grocery partners. You can also top up the amount on your card with your own money using the Spark app to make the most of your card. Our prepaid visa card is also Apple and Google pay enabled for complete flexibility when you need it.


Is there anything else I should know about Bluestone Rewards?

Don’t forget that you are personally responsible for declaring Bluestone rewards to HMRC for tax purposes. Speak to your account manager about registering – you deserve it!


Our team are always here to help...

We know finance can be complex and often it's easier to talk things through. Drop us a message or give us a call 0330 135 8660 and we'll get back to you ASAP.

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