Bluestone is an ethical & FCA-regulated commercial finance intermediary, and we are committed to ensuring that our clients make informed financial decisions based on their requirements.

We always recommend that our clients seek independent financial advice from an authorised source before committing to any financial agreements.

We will be transparent at every stage of the process, and your dedicated account manager will always discuss the terms of your agreement including any associated paperwork and documentation fees with you.

We have a team of experts in the industry who have worked with UK businesses for many years, gaining experience across asset finance, cashflow loans, vehicle and property finance.

Your dedicated account manager will always openly discuss all your options with you and take a consultative approach to understanding your business to guide you to make the best decision for you.

Before committing to a finance agreement, there are some factors to consider. 

Interest and fees 

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. 

Legal obligations 

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 dedicated account manager will work with you to ensure you do not commit to anything that is unaffordable. 

Terms and conditions 

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. 

What type of equipment are you investing in? 

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 their value.  

You can discuss your asset finance options with your dedicated account manager who will explain in detail and find the best solution for you.

Documentation

If you aren’t sure what documentation will be required when looking to enter a finance agreement, we have outlined these for you here.

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