Business Funding & Property Finance Solutions
Why Blueray Capital?
Blueray Capital is a commercial finance specialist providing business finance solutions to established UK businesses to help them achieve their growth & acquisition goals.
We also work with residential and commercial property investors and developers, providing bridging finance, development finance and BTL mortgages.
Partners with over 200 banks, specialist lenders and debt funds, many of whom are not accessible directly, Blueray Capital saves its clients time and money.
Property Finance
Bridging finance, development finance, BTL & commercial mortgage finance for residential & commercial property
Bridging Finance
We are a whole of market, specialist, bridging finance broker sourcing unregulated bridging finance from £250k to £25m across the UK to cover most short-term property funding situations up to 3 years. This includes a wide range of sectors such as residential bridging finance for investment property , commercial bridging finance and bridging finance capital for mixed-use, hospitality and leisure sectors.
Terms vary, with LTVs up to 60% LTV for land with planning, 65% LTV for commercial property and 70% LTV for residential property at market leading interest rates. Property experience is preferred but the lender is looking mainly for the adequacy of the property itself and a robust exit plan. Drawdown is subject to satisfactory valuation report, KYC and completed legal documentation.
To receive a prompt acceptance in principle (AIP), with an indication of terms, click on the Apply button below and submit a summary of the property concerned on our enquiry form.
Download our Bridging Finance Guide to find out more
Development Finance
We source UK property finance from £500k to £25m for owner-occupiers or residential property investors for all types of residential property development, from a new build, light or heavy refurbishment, to a complicated renovation or conversion project. We can accommodate development loans for most residential or mixed-use schemes with property finance available in England, Wales and mainland Scotland.
A typical residential development finance structure includes an arrangement fee, retained interest at a competitive interest rate and an exit fee. Interest rates are competitive starting from 2.5% above base and going up to 10%. Loan to gross development value ranges from 60% to 80% LTGDV, typically enabling the developer to cover most, or all of the build costs over the development and exit cycle.
Experienced property developers will have access to more residential development finance options but we also work with lenders who will consider first-time developers. Funds are allocated by independent quantity surveyor monitoring reports and less experienced developers will need to add an experienced project manager to the team.
To receive a prompt acceptance in principle (AIP), with indicative terms, click the Apply button below and submit a summary of the scheme.
Download our Property Development Finance Guide to find out more.
Mortgage Finance
We are a specialist mortgage broker sourcing standard, BTL, semi-commercial & commercial mortgages up to £15m in England & Wales.
We have state of the art online systems to access thousands of products offered by all the BTL and commercial mortgage providers, many of which are not accessible directly to borrowers.
Available for individuals, portfolio landlords, limited companies, LLPs and partnerships. Buy to let mortgages are available for houses, flats, blocks of flats, new builds, MUFBs, HMOs and development exits. Typically up to 75% LTV over 2 or 5-year fixed or variable with 25 year term at market leading rates.
To receive a prompt acceptance in principle (AIP) with an indication of terms, click on the Apply button below and submit a summary of your case on our enquiry form.
Alternatively, download & fully complete the BTL Mortgage Client Discovery form, and send it via email as indicated. This will enable us to accelerate a response to your BTL mortgage requirement.
Download our Buy to Let Mortgage Guide to find out more about the requirements of BTL lenders.
Download our updated BTL Landlord Energy Performance Certificate Guide, reflecting latest Government advice, to find out more about improving the EPC rating of your BTL property.
Business Funding
Working capital finance to support the growth of your business
Growth Finance
An unsecured business loan is an ideal finance solution to fund company growth & expansion, provide cashflow stability, refurbish premises or hire staff.
Unsecured business loans are available up to £500k, for terms up to 6 years, at competitive interest rates, plus an arrangement fee.
Applicants will need to have been trading profitably for 2 or more years with annual turnover of more than £400k. The loan amount is restricted to 40% of turnover. One Director must be a home-owner and PGs are required.
To receive a prompt indication of terms, click the Apply button & submit a summary of your loan requirements.
Alternatively, download & complete the Unsecured Loan Application Form, and email it as indicated. This will enable us to accelerate a response.
Download our Business Cash Flow Guide to find out more about improving the operating cash flow of your business.
Trade Finance
We are a specialist trade finance broker providing either supply chain finance for finished goods or export finance for containerised goods.
Supply chain finance is available for established UK-based companies purchasing finished goods from domestic or foreign suppliers. Options include finance for supplier purchases when supported by customer order, finance for supplier deposits, pre-payments or ex-works payments and supplier payment guarantees.
Export finance is available for established companies based in the developed world who are making regular, containerised shipments of products with good margins. Advance rates for these exporting businesses are up to 90% of the shipment value. Costs vary and can be as low as 0.5% per month of credit for large, repeating trades. Credit terms are up to 120 days.
Trade Instruments
In addition to providing supply chain finance for established businesses, Blueray Capital can arrange trade finance instruments and project finance instruments, for importers, exporters and contractors to facilitate international contracts without the need for collateral, through its partnerships with global, financial instrument issuers.
We can arrange bank instruments such as, Letters of Credit (LC), Bank Guarantees (BG) and Standby Letters of Credit (SBLC) via international and European banks.
The minimum transaction amount is $1m with no maximum value. Fees are applicable and range from 1% to 9%, dependent on amount, jurisdiction, status of counter-parties and transaction type. All transactions need to be completed within 5 to 21 days. All territories are covered, except for sanction countries. All types of perishable and non-perishable commodities, including coal, timber, palm oil and tobacco are acceptable, except Brazil sugar and Nigeria oil. Trade finance instruments are not available to start-up companies.
Invoice Finance
We are a specialist invoice finance broker providing selective invoice finance or confidential invoice finance facilities from £50k to £3m for companies across the UK. Receivables financing is a valuable option for businesses faced with lengthy payment cycles.
Invoice finance advance rates are from 40% to 90%, depending on sector, client status and concentration. Payment may be received on the same day with credit available from 30 to 120 days. Costs are typically 1% to 3% of invoice value.
Direct links to accounting systems such as Clearbooks, FreeAgent, Freshbooks, Kashflow, Sage, Quickbooks, Xero and Zoho enable confidential invoice discounting of the entire ledger.
To receive a prompt indication of terms, click on the Apply button below and submit a summary of your invoice finance requirement.
Acquisition Finance
Finance for company acquisitions, management buy-outs (MBOs) and shareholder exits
Acquisition Finance
Blueray Capital is a debt advisory and acquisition finance specialist providing corporate finance to support trade acquisitions, buy and build strategies, management buyouts (MBOs) and recapitalisations from £1m.
Debt financing is either asset-based, secured usually on trade debtors or property with a cashflow top-up or cashflow-based on an EBITDA multiple. Business acquisition financing, management buyout funding (MBO finance) or company recapitalisation is usually via senior debt finance with a first charge over property, financial assets, and the business itself.
The acquiring party or management buyout team will need to contribute financially to the deal as lenders are not prepared to fund the entire structure of the transaction.
To receive a prompt indication of terms, submit a summary of your acquisition plans, in confidence, on our enquiry form.
Download our Acquisition Finance Guide to find out more about financing your next acquisition successfully with the help of Blueray Capital.