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Finance explained

How Does it Work?

Whether you are looking at overcoming short-term challenges or making plans to realise long-term ambitions, the right commercial finance solution can strengthen your organisation and accelerate your growth significantly.

But how does applying for finance work? Here we summarise what you can expect from a relationship with Bluestone.

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Sign up today to apply for finance for your organisation.

Alternatively, you can contact us for a no-obligation conversation with our expert team to discuss how finance could work for you.

How does it work? project discussion - Two women sitting and engaged in a discussion about a project, reflecting the exploration of how the finance process works.

Applying for finance with Bluestone

We will assign you a dedicated account manager who will take time to understand your organisation, how you operate, your priorities and challenges, and, of course, what you want to achieve both in the short and long term.  

Your account manager will work with you to decide on the best solution for your needs and ensure you are fully aware of your current and future obligations when entering into a finance agreement, as well as explaining any potential tax benefits you may be able to access. 

When they have the necessary information from you they will finalise your application and approach the most appropriate funders to secure the finance. This can take between a few hours and a few days.

If your application is successful, you will receive a formal offer letter. When all parties have signed the documents, the funding is secured.

Your repayments will usually begin when the project is complete/you have received the assets.

But that's not the end of the story; your account manager will keep in touch so they can stay up to date with any changes in your organisation that might require changes to your financial strategy.


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Frequently Asked Questions

What types of asset financing options do you recommend for local authorities?

The types of asset financing options recommended for local authorities will depend on their specific needs and goals. Generally, equipment leasing and loans, financing, and real estate financing can be good options for local authorities.


Can you explain the concept of an operating lease and how it differs from other types of leases?

An operating lease is a type of lease agreement where the lessor provides the use of an asset to the lessee for a specified period, but the lessee does not own the asset. It is different from a capital lease, which is more like a loan where the lessee takes ownership of the asset after the lease period. In an operating lease, the lessor retains ownership of the asset and is responsible for maintenance and upkeep.


How does an operating lease benefit my organisation, and what advantages does it offer compared to other financing options?

An operating lease can benefit your organisation by allowing you to acquire the use of an asset without the financial burden of ownership. You only pay for the use of the asset during the lease period, which helps to conserve your organisation's capital for other investments. Additionally, you can take advantage of tax benefits and have the flexibility to upgrade or change assets at the end of the lease period.


What types of assets are eligible for financing through an operating lease, and what are the requirements for approval?

Assets that are typically eligible for financing through an operating lease include equipment, vehicles, and other tangible assets. Approval requirements vary depending on the asset and your organisations financial profile, but typically include credit checks and a demonstration of the ability to make regular lease payments.


What is the typical repayment period for an operating lease, and how does it impact my cash flow and financial statements?

The typical repayment period for an operating lease is anywhere from two to seven years, depending on the type of asset and the terms of the lease agreement. The impact on your cash flow will depend on the amount of the lease payments, which are typically lower than if you were to purchase the asset outright.


Can you explain the concept of a Hire Purchase agreement and how it works for financing assets?

A Hire Purchase agreement is a type of financing that allows an organisation to acquire an asset by making regular payments over a specified period of time, with the option to purchase the asset at the end of the agreement. Unlike a loan, the organisation does not own the asset until the final payment is made.


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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