Finance is a powerful tool for small, medium and large organisations in almost every sector. Rather than having to pay for new equipment, tax bills, vehicles, or unexpected costs with working capital, finance enables you to spread the cost over time via fixed, affordable payments.
This provides greater financial flexibility and keeps working capital in your organisation, enabling you to maintain a strong balance sheet and manage your cash flow more effectively.
Bluestone is an independent, award-winning team of service-focused finance professionals dedicated to securing finance that will unlock your business' potential.
With over 25 years of experience, we make things simple, move quickly, offer exceptional value and make funding happen where others can't.
Unlike cash, finance can unlock 100% tax relief (on both capital and interest).
Sinking capital into ultimately depreciating assets isn't the best use of your money; keep your cash to deploy where it's most needed.
Spreading the cost of investment over time can help you to access the assets you need without compromise, and with rates fixed throughout the term, budgeting for growth is much easier.
Avoid having to part with VAT as a lump sum upfront as it's often spread over your repayments (excluding Hire/Lease Purchase agreements).
Never again face unexpected spikes in your expenditure that you have not budgeted for. Spreading the cost lets you plan for the future 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 multiple elements of a project or different finance products into one bespoke solution.
Financing will involve paying interest and, in some cases, other fees may be applicable, but the interest will be fixed and covered in your repayment schedule and any other fees agreed, so you will have full visibility.
Finance is a fixed financial agreement, i.e., if you agree to a 5-year repayment plan, you have a legal obligation to make all the payments in full and in a timely manner. Failure to do so could put you or your organisation in a position of increased financial obligation. Your account manager will work with you to ensure you do not commit to anything that is unaffordable.
It is essential that you read and fully understand what you are agreeing to before committing to any finance agreement. Be sure to examine the terms and conditions thoroughly and ask your Bluestone account manager if you have any questions.
In the case of asset finance, it is important to know that it may not be the most cost-effective option if you are investing in assets that will appreciate in value.
Finance for Retail: R H Binks & Sons Ltd
Finance for Fit-Out: Dean St. Studios
Finance for Fit-Out: My Healthcare Clinic
We pride ourselves on being specialists in the industry and with over 25 years of experience behind us, you can rest easy knowing you're in good hands.
We take a consultative approach to our relationships and making sure you have all the information you need, whether finance is the right solution for you or not, is important to us.