Finance for Your Customers FAQs

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Bluestone Partners FAQs

Frequently Asked Questions

From understanding the different types of financing options available to tips on how to successfully implement financing programs in your organisation, we have everything you need to succeed.

Select a topic from the Partner Categories dropdown to get started. If you can't find what you're looking for our case studies & guides might be helpful, or you can give us a call on 0330 135 8660. 


Asset Finance

How do the finance repayments work?

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.


What is the application process for asset finance, and how long does it typically take to receive a decision?

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.


What are the eligibility requirements for asset 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.


What is the typical timeline for securing asset finance and what are the key steps in the process?

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.

What is the range of assets that your company is able to offer financing for?

Bluestone is able to offer finance for a wide range of assets, including but not limited to vehicles, agricultural equipment, machinery, and commercial properties.

Are there any assets that are not eligible for leasing? If so, why?

Yes, there are some assets that may not be eligible for leasing, such as intangible assets such as patents or trademarks. This is because these assets cannot physically be used or sold by the lender as collateral.

Can you provide a comprehensive overview of the asset finance options available and explain the benefits of each one?

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.


Cashflow Finance

How long does it typically take to get approved for a cashflow loan, and what is the application process like?

The application process can take a few days to a few weeks, depending on the lender and information required. It typically involves submitting documentation, completing an application form, and meeting with the lender.


What are the eligibility criteria for a cashflow loan, and what documentation do I / my customer need to provide?

Lenders typically require proof of cash flow and revenue, credit score, and financial history. Documentation may include financial statements, tax returns, and business plans.


What is a cashflow loan, and how does it differ from other types of financing?

A cashflow loan is a type of financing that helps businesses manage short-term cash needs based on projected cash flow, rather than collateral or assets.



Bluestone Rewards

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!



Public Sector Finance

What types of assets can be financed under public sector asset finance?

Public sector asset finance can be used to finance a wide range of assets, including vehicles, machinery and equipment, property, and IT equipment. These assets can be acquired through a variety of financing options, such as hire purchase, leasing, and refinancing.


How long does the approval process take for public sector asset finance?

The approval process for public sector asset finance can vary depending on the lender and the specific financing product. Typically, the approval process can take anywhere from a few days to several weeks. However, the process can be expedited by providing all the required documentation upfront and working with an experienced asset finance broker like Bluestone.


What are the eligibility criteria for public sector asset finance?

The eligibility criteria for public sector asset finance can vary depending on the lender and the specific financing product. However, some common eligibility criteria include having a good credit score, having a solid financial track record, and being able to demonstrate the ability to make repayments. The specific criteria will depend on the lender and the product.


How can asset finance help to improve the financial sustainability of public sector organisations?

Asset finance can help public sector organisations to improve their financial sustainability by providing them with the ability to acquire assets without tying up large amounts of cash upfront. This can help to improve cash flow management and preserve existing financial resources. Additionally, asset finance can provide tax benefits and help organisations to manage their balance sheet more effectively. Finally, asset finance can enable organisations to acquire the assets they need to deliver services to their communities, which can help to improve the overall effectiveness and efficiency of public sector operations.



Bluestone Portal

I have forgotten my username and/or password, what do I do?

Your username will be the email address provided, usually a business email address. If you have forgotten your password, please follow the forgotten password link.

If you have any further problems, please contact Bluestone, or your dedicated Account manager.


Why can’t I view other applications that my colleagues have submitted?

To be able to view your colleagues’ applications you will require specific permissions set by Bluestone. Please contact your dedicated account manage to enquire.


If the equipment changes once the Finance documents have been issued, am I able to amend it?

Once finance documents have been raised and issued, you would be required to contact Bluestone’s dedicated support managers who can assist with any required amendments.


Can I proceed to quote without my client’s full details?

If you do not hold the required customer details, you can proceed. However due to this we would have to treat the application as a regulated customer, which will require your account manager to review, quote and proceed.


Can I create different quote variations for my client?

Yes, you could create various quotes. Please see the dedicated help video and guides here.


Can I provide my client with access to the Portal, to keep track of the progress of their application?

Yes, we can provide them with access to the Portal. Once an application is approved and documents issued, they will have access where finance documents can be issued.


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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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