Bluestone’s Services, Value and Fees Explained

As a commercial finance brokerage, Bluestone act as an intermediary or ‘go-between’ for businesses that want to secure funding from commercial lenders.  

Our mission is to help your business manage cashflow, make investments, and achieve growth through affordable and efficient finance solutions.  

As an organisation we have done this for thousands of organisations since 1996 and take pride in our ethical and consultative approach when arranging finance that brings success to thousands of UK organisations.  

We do this by:  

• Taking a consultative approach, working with you to understand your organisation’s unique challenges and goals.  

• Providing bespoke finance solutions not just for one project, but for your wider financial strategy.

• Enabling access to one of the largest panel of funders, finding the best solution for your circumstances.  

• Introducing you to an experienced team of finance professionals, including a dedicated account manager to support you throughout the entirety of your project and beyond.  

• Ensuring you receive a seamless and efficient experience by introducing you to our revolutionary online finance platform, The Bluestone Portal, enabling you to get quick quotes and submit applications online for your own organisation, or your customers.  

Here we explain more about the service that Bluestone provides, including:

• Bluestone’s value and fees.  

• How our business operates.  

• The value we can add to your organisation.

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Bluestone's Value and Fees

We believe it is vital that you understand all aspects of any finance agreement you enter.  

There's no 'small print' or hidden agenda. We will only ever arrange finance that is affordable for you and that will help you achieve both your short and long-term goals.  

To make this possible, you will be assigned a dedicated account manager and supported by a team of experienced finance professionals working behind the scenes.  

• In the initial stages this will likely mean taking time to discover as much as we can about your business, your sector, your team, your customers, your goals and your challenges.
• With this information your dedicated account manager will then be able work with you to decide on the best product for your needs while ensuring you will be able to afford the repayments and relevant interest fees.
• We will work to ensure you are fully aware of your current and future obligations when entering into any finance agreement, as well as explaining any potential tax benefits you may be able to access.
• Based on their experience and established relationships with lenders, they will identify which of more than 50 lenders on our funding panel are most likely to accept your application. Some of these lenders are not accessible to applicants that are not working with an approved broker such as Bluestone.  
• They will then prepare and submit your application for you, saving time and hassle as applications require bespoke detailed statements and compelling justification as to why the lender should accept your application. In some complex cases or challenging projects, they will approach multiple lenders to secure you the right solution.  
• Once acceptances are secured, your account manager will facilitate the transfer of the funds from the lender to you, including preparing and dealing with the documentation required by the lender.  
• Your Bluestone account manager will keep you informed throughout the process and answer any questions you may have.  
• You will receive ongoing support from Bluestone throughout the life of the agreement as well as any additional finance you may require in the future.  

How does Bluestone make money from providing this service?

This will differ depending on the type of finance agreement you are seeking and the lender. Generally, commercial finance brokers are either paid for their work via a commission or fees paid by the lender. Typically, this commission is taken from interest and/or charges that have been included in a client’s finance agreement.  

Where we have provided more complex support and additional services we may charge clients a fee for our service directly. Should you prefer, rather than paying a commission, we can look to offer an upfront arrangement fee, and this will reduce the overall cost of finance.  

In either case, we will be transparent about any fees or commission in your finance agreement, and it will be detailed in any documentation.  

What’s the Bluestone Difference?

What makes Bluestone different from other commercial finance brokers? We take pride in our ethical and consultative approach when arranging finance that brings success to thousands of UK organisations.

We are experienced in identifying the most suitable finance product

What is right for one business may not be appropriate for another which is why we will take the time to get to know your business, your goals, and the unique challenges of your industry. We are used to asking the right questions to make the most suitable recommendations.

We have an extensive knowledge of finance products

There are several finance products out there each with their own terms and conditions to be aware of before you commit. This can be confusing and overwhelming, but a finance broker will be able to help you understand your options to make the right choice for your business.

We have access to a wider range of lenders

We have established relationships with multiple lenders, including many that you would not otherwise have access to. This means we can approach those that are best suited to your needs and/or offering the most competitive interest rates. At the very least, we will identify an appropriate shortlist of lenders to approach which saves your business a lot of time.  

We save you time and hassle

Before you create your application, you will need to decide which funder to apply to; this can be a time-consuming and complex task.

There are literally hundreds of potential banks and lenders to consider not to mention all the different products. Finding, comparing and contacting them yourself will be time consuming and potentially not productive if you are approaching the wrong lenders. A commercial finance broker takes on this work saving you time and stress.  

We provide long-term vision and support

While some brokers might only be interested in standalone finance deals, we want to establish a long-term relationship with your business. This includes being available once the finance has been secured to answer your questions and iron out any issues as well providing ongoing advice and support as your business grows and your financial circumstances change.  

We can manage complex projects and challenging credit

We can arrange finance for a wide range of assets (and complex projects that include different asset types) alongside effective cash flow solutions, loans, invoice finance and property finance.

If your business has a poor credit history, a complex corporate structure, or you have only recently started trading, securing finance can be more difficult. Our team are perfectly positioned to help you navigate these issues increasing the likelihood you will be able to secure finance.  

We can help you realise your goals sooner

With Bluestone’s help you can secure the funding you need to achieve your goals sooner rather than later. Whether you want to purchase new machinery or equipment, to complete a fitout of your premises or simply bridge a cash flow gap, a commercial finance broker help you access the most appropriate solutions to boost your cash flow and support your success.

Bluestone is FCA regulated

Brokers who are authorised and regulated by the Financial Conduct Authority (FCA) are subject to codes of conduct and disciplinary procedures that ensure they operate to the highest standards. Bluestone is also a member of the leading industrial bodies in UK Finance including the National Association of Commercial Finance Brokers (NACFB).  

Consultative approach to service

All our clients receive a dedicated account manager who will take the time to meet with you - whether that's at your place, our offices, or virtually - to understand your organisation's unique challenges and goals before making any recommendations.

Almost three decades of industry experience

Originally operating as Wyse Leasing North and then Bluestone Leasing, our core team have specialised in commercial finance since 1996 helping thousands of organisations during that time, so have a deep understanding of what it takes to maximise your organisation's potential through finance.

Independent and bespoke finance solutions

While many other finance brokers work on behalf of third-party investors (trying to deploy a particular investor’s funds), we are completely independent. This means you will benefit from impartial guidance and bespoke finance solutions, not just for this project, but for your wider financial strategy.

Access to a specialist funding panel

We have access to one of the largest funding panels in the UK. We'll take your project to the funders best suited to your circumstances and position your application using our expertise in securing finance; all this saves you time and money and improving the likelihood that your application will be accepted.

Secure IT infrastructure to protect privacy and data

At Bluestone we have invested heavily in our IT infrastructure and security to ensure the privacy and security of your organisation’s data and confidential information.  

Market leading portal providing quick and simple finance applications

We put our clients first, ensuring they receive the most seamless and efficient customer experience from making an initial enquiry, through to the end of their agreement and beyond. To do this, we make sure we have advanced systems to support them, including our revolutionary Bluestone portal, which enables you to get quick quotes and submit applications quickly online, for your own business, or your customers, whenever and wherever you are.

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