Frequently Asked
Questions
We offer plant and equipment finance solutions for investments ranging from £5,000 to £500,000, whether you're financing a single piece of construction plant equipment or an entire fleet. We provide flexible finance options to meet your business needs.
Yes! We offer machinery finance solutions for both new and used equipment, as well as specialised construction machinery financing for businesses in sectors like construction, agriculture, and mining. No matter your specific needs, we have the best financing options for you.
Repayment terms for plant and equipment finance generally range from 2 to 5 years, offering flexibility so you can choose a plan that fits your financial situation and the useful life of the equipment.
We provide a wide range of machinery finance options for both construction plant finance and other industries. This includes: excavators, cranes, forklifts, loaders, construction machinery (including earthmoving equipment), agricultural machinery. Whether you need construction machinery financing or other specialised equipment, we can help you access the tools necessary to support your business.
Plant finance is a financing solution that helps businesses acquire high-value machinery and equipment, such as cranes, excavators, and loaders, by spreading the cost over time. It’s an ideal option for businesses looking to invest in plant and equipment without the need for significant upfront capital.
We offer financing options for commercial vehicles ranging from £5,000 to £500,000, so whether you're looking to finance a single van or a fleet of vehicles, we have flexible options to suit your requirements.
Yes! We provide finance for new, used, and specialist vehicles, ensuring you get the right solution for your specific needs, whether it’s a fleet upgrade or a unique vehicle for your business.
Repayment terms for commercial vehicle finance typically range from 2 to 5 years, giving you the flexibility to choose a payment plan that best suits your business’s budget and long-term goals.
We offer commercial vehicle finance for a variety of vehicles, including: Vans, HGVs, Entire fleets for businesses needing multiple vehicles to operate, and specialist vehicles tailored to your industry, such as refrigerated vans or custom-built vehicles.
With commercial vehicle finance, Blue Sky Finance provides you with tailored payment plans. Instead of paying for the vehicle in full upfront, you pay for it over a series of manageable monthly instalments, ensuring your cash flow remains healthy while you expand or upgrade your transport options.
Commercial vehicle finance is a solution that allows businesses to spread the cost of purchasing vans, lorries, or fleets over time, making it more affordable to get the essential transport your business needs without the burden of large upfront payments.
Applying is simple. Contact our team, and we’ll guide you through the process to create a finance package tailored to your requirements.
Repayment terms typically range from 2 to 5 years, giving you the flexibility to select a payment plan that fits your budget and business requirements.
Personal cars for individuals. Commercial vehicles, such as vans and lorries. Fleets for businesses of any size. Specialist and electric vehicles.
Vehicle finance is a loan solution that allows individuals and businesses to spread the cost of purchasing cars, vans, or fleets over manageable monthly payments. It’s an affordable way to access the transport you need without a large upfront expense.
We offer financing options ranging from £5,000 to £500,000, giving you the flexibility to invest in everything from basic office essentials to large-scale infrastructure upgrades.
It’s easy to get started. Contact our friendly advisers, who will guide you through the application process and help create a financing package that fits your business’s needs.
Repayment terms typically range from 2 to 5 years, offering the flexibility to balance affordability with your business’s financial goals.
Furniture: desks, chairs, and storage units. Technology: computers, monitors, and printers. Communication systems: telephones and conferencing equipment. Specialist equipment: industry-specific tools or machinery.
With Blue Sky Finance, we offer tailored office equipment financing solutions that let you spread the cost over manageable monthly payments. Our flexible terms are designed to align with your business' cash flow and operational needs.
Office equipment finance allows businesses to acquire essential tools like desks, chairs, computers, printers, and more without paying the full cost upfront. This helps maintain cash flow while equipping your office for productivity and growth.
Getting started is simple. Contact our team of expert advisers, we’ll work with you to develop a vendor finance programme tailored to your business goals and market demands.
At Blue Sky Finance, we specialise in designing tailored vendor finance packages that align with your business model and customer base. Whether you need a flexible or industry-specific solution, we’ve got you covered.
Repayment terms vary depending on the specific agreement. Blue Sky Finance ensures these terms balance customer affordability with timely payments to your business.
Increased sales: Attract more customers by offering flexible payment options. Improved cash flow: Receive timely payments without waiting for full customer repayment. Customer satisfaction: Make high-value purchases more accessible and affordable for your clients
Vendor finance is ideal for businesses selling high-value products or equipment in industries such as: construction, manufacturing, technology & healthcare.
Blue Sky Finance partners with your business to create customised payment plans for your customers. We handle the financing while you focus on selling your products or equipment, ensuring faster transactions and improved cash flow.
Vendor finance enables businesses to offer flexible payment options to their customers, allowing buyers to purchase high-value products or equipment while spreading the cost over time. This helps businesses boost sales and improve customer affordability.
We provide IT finance solutions for amounts ranging from £5,000 to £500,000. Whether you’re upgrading a single system or overhauling your entire IT infrastructure, we can accommodate your investment requirements.
Tailored solutions: Customised plans designed around your business objectives. Competitive rates: Affordable and flexible repayment options to fit your budget. Expert guidance: A dedicated team to help you navigate your IT investment journey.
Absolutely! Whether you need financing for specialised software, bespoke hardware setups, or advanced cloud solutions, Blue Sky Finance can create a custom IT finance package that meets your unique needs.
Repayment terms for IT finance typically range from 2 to 5 years. These terms can be customised to suit your budget and the lifespan of the IT assets you are financing.
Using IT finance offers several benefits, such as: Access to the latest technology: stay ahead in your industry with up-to-date systems and tools. Preserve cash flow: avoid depleting your working capital by spreading costs over time. Tax efficiency: payments may be deductible as business expenses, offering potential tax advantages. Flexibility: upgrade or replace IT systems without the financial strain of large one-time payments.
Blue Sky Finance offers IT finance solutions for a wide range of technology, including: Laptops and desktops, servers and storage solutions, software licences and subscriptions, cloud-based infrastructure and services, and bespoke IT setups tailored to your business needs.
With IT finance from Blue Sky Finance, you can choose a tailored plan that aligns with your cash flow and business requirements. Payments are made in affordable instalments, allowing you to invest in the technology you need without disrupting your budget.
IT finance provides businesses with the means to acquire essential technology—such as hardware, software, and IT systems—by spreading the cost over manageable payments instead of requiring a large upfront investment. This approach ensures your business can stay technologically competitive while maintaining healthy cash flow.
If you’re looking to grow your business while preserving cash flow, asset finance is an excellent choice. It provides a flexible and practical way to acquire or refinance the essential equipment and tools your business needs without putting unnecessary strain on your finances.
We offer asset finance solutions for amounts ranging from £5,000 to £500,000. Whether you’re acquiring a single asset or upgrading multiple items, we can tailor a funding solution to match your requirements.
Yes! Blue Sky Finance offers refinancing options that allow you to unlock the value tied up in existing assets. This can provide a cash injection to reinvest in other areas of your business or support your cash flow during challenging periods.
Repayment terms for asset finance with Blue Sky Finance typically range from 2 to 5 years. These terms can be customised to fit your budget and financial goals.
Here are some key advantages of using asset finance: Avoid large upfront costs: Spread the cost of expensive equipment over time. Preserve cash flow: Keep funds available for other operational needs. Tax efficiency: Potential tax benefits, such as claiming repayments as expenses. Flexibility: Upgrade or replace assets without tying up your capital.
Blue Sky Finance offers flexible asset finance solutions for a wide range of assets, including: Construction machinery Vehicles (e.g., company cars, vans, and HGVs), office furniture and equipment, IT systems and software.
With asset finance from Blue Sky Finance, your business can use an asset-based loan or asset-backed lending to acquire or refinance equipment. Instead of paying for the asset upfront, you make regular, manageable payments over an agreed term. The repayment plan is tailored to align with your cash flow and business needs.
Asset finance is a way for businesses to acquire or refinance essential high-value assets—such as machinery, vehicles, or office equipment—without the need for large upfront payments. Instead, the cost is spread over time, helping businesses maintain cash flow while accessing the tools they need to grow.
Yes, we consider applications from businesses with less-than-perfect credit. While credit history is a factor, we also assess your business's overall performance to offer flexible financing options.
We are committed to providing quick approvals and funding, often granting access to funds within a few business days to promptly support your operational needs.
We offer flexible repayment terms ranging from 12 months to 5 years, allowing you to choose a schedule that best fits your business's financial situation.
Securing a working capital loan offers several benefits. Quick access to funds: ensures your business can address immediate financial needs. Maintained liquidity: helps bridge cash flow gaps during challenging periods. No collateral required: many working capital loans are unsecured, reducing risk to your assets.
Working capital loans are versatile and can be utilised for various short-term needs, including: paying suppliers, managing seasonal fluctuations, covering payroll, and investing in immediate growth opportunities.
With a working capital loan from Blue Sky Finance, you receive a lump sum upfront, which you repay through manageable instalments over a term ranging from 12 months to 5 years. This approach helps maintain your business's liquidity and supports ongoing operations.
A working capital loan provides your business with the necessary funds to cover everyday operational expenses—such as payroll, rent, and inventory—ensuring smooth operations and effective cash flow management.
At Blue Sky Finance, we go beyond offering funding. We provide: Personalised guidance: Our experienced team is here to help you find the best solution for your business. Flexible finance options: Lease finance that fits your budget and cash flow. Preservation of equity: No need to give up ownership or control of your business. Growth-focused repayment plans: Repayments are structured to match your business' financial growth, making it easier to succeed.
Absolutely! We know that many start-ups haven’t yet built up a trading history. That’s why we focus on your business plan, potential, and the assets you need, ensuring we can support you at this exciting stage of your journey.
Repayment terms are usually between 3 and 5 years. These terms are designed to suit your business' specific needs, with manageable monthly payments that fit your budget and cash flow.
Blue Sky Finance works with new and early-stage businesses across the UK. Whether you’ve just started or you’re about to take the leap, we’re here to support you with tailored finance solutions that help you achieve your goals.
Start-up finance is incredibly versatile. You can use it for: IT systems and software, office furniture and equipment, vehicles or machinery, office fit-outs, and working capital loans
Blue Sky Finance specialises in lease finance for start-ups and early-stage businesses. This means you can access the equipment or assets your business needs without paying for everything upfront. Instead, you’ll make manageable payments over a 3 to 5-year term, giving you the flexibility to align costs with your cash flow as your business grows.
Start-up finance is designed to give new businesses in the UK the financial support they need to get started. Whether it’s purchasing equipment, upgrading software, furnishing an office, or acquiring a vehicle, this funding helps spread costs over several years, so you can focus on growing your business without the immediate financial strain.
If the equipment is available for immediate delivery, we can look to sort the finance out in 48 hours.
Yes, this is known as Sale and Leaseback. For equipment up to 12 months old we can finance the full balance. For older equipment, a valuation can be sort and a lend against the current value can be looked at.
In simple terms, a bank can call in the overdraft and, loans on demand even if you have been making the payments on time. But leasing once agreed is set and can never be called in if the payments are being met giving the business peace of mind.
Yes, all the finance we offer is fixed rate ensuring the business can budget.
Your bank is your companies core working capital line. It might be required for a rainy day, covering payroll when a debtor is late paying so don’t tie up all your credit with the bank on your equipment finance when this can be sourced through a third party leaving your bank facilities free for emergencies or smoothing the general working capital of the business.
In a nutshell, we can survey the whole market and get the best solution from a host of providers, and taking all the work out of trying to find the right funding solution.