Finance Solutions to Help You Achieve Your Goals
Residential Development Finance for new build, heavy or light refurbishment and development exit. We can accommodate development loans for most residential or mixed use schemes from £500k to £25m in England, Wales and mainland Scotland. Terms vary, typically 70% LTV, 80% LTC from 12-36 months with competitive rates from 6.5% to 10%. Experience preferred. Detailed planning permission required before property development loans may be drawn down.
Commercial Development Finance for office, industrial and retail; new build and refurbishment schemes across the UK, from £500k to £10m over 12-24 months. Terms vary, typically LTV 70%, 85% LTC with competitive interest rates from 8%. Experienced developers only. Detailed planning permission required before commercial property loans may be drawn down.
Renewable Energy Finance for biomass facilities, anaerobic digestion plants and solar farms in England. New build and refinance available for operational units from £1m to £25m. Ofgem tariff guarantee and RHI accreditation required. Renewable finance terms vary but typically 90% LTC and 70% LTV.
Bridging Finance to cover most short-term funding situations, across the UK, from £250k to £25m from 3 months to 3 years. Wide range of sectors including residential investment property, commercial, mixed use and leisure. Terms vary, typically 50% to 70% LTV with rates from 7%. Property security required. Flexible ownership/structures.
Mortgage Finance available from £500k to £15m for acquisition, refinancing and investment scenarios, across England & Wales from 3 to 30 years, with fixed and variable options. Commercial mortgages, semi-commercial and residential mortgages. Loan terms vary, typically to 75% LTV with market leading rates from 4.1% for semi-commercial.
Asset Finance Solutions available from £50k to £3m for companies across the UK to lease or hire purchase hard and soft assets. Purchase new or refinance existing equipment to grow your business quicker at lower risk. Asset based lending is available for most capital expenditure such as aviation, equipment, plant & machinery, technology, vehicles, recycling & renewables. Asset backed lending enables businesses to avoid unnecessary cash flow strain with repayment periods from 1 to 5 years.
Invoice Finance is available from £50k to £3m for companies across the UK. Either selective invoice funding or via a confidential invoice discount facility. Receivables financing is a valuable option for businesses faced with lengthy payment cycles. Once registered, advance payment, typically from 70% to 85%, may be received on the same day. Direct links to accounting systems such as Sage, QuickBooks, Opera, TasBooks, NAV and Xero open up confidential invoice discounting of the entire ledger.
Trade Finance available for UK Companies to access global and domestic markets without suffering a cashflow penalty. Structured trade finance is available via a revolving line of credit to £1m. More complex international trading scenarios to £10m are also covered. Export finance terms vary, typically 30-180 days credit with up to 90% advance. Trade finance covers most finished goods, stock and raw materials, in multiple currencies, across low/medium risk territories.
Working Capital Loans from £50k to £500k from 6 months to 5 years available for established businesses across the UK, trading more than 2 years. Business finance via unsecured business loans are ideal short term finance options for growth & expansion, cashflow stability, to acquire new assets, refurbish premises or hire staff. Large business loans are at competitive rates and available quickly. Director personal guarantees are typically required.
Acquisition Finance from £250k to £10m up to 5 years available for UK companies involved in strategic development. Debt financing is either secured via property or other unencumbered assets 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.
Angel Investment Blueray Capital investor partners have made angel investments in over 50 companies, several of which have achieved profitable exits. Our preferred sectors, portfolio and investment criteria are shown here. We are connected with various Angel syndicates, Funds and VC firms which enables us to participate in larger rounds. With our considerable experience in scaling startups and growing international businesses, we provide valuable hands-on expertise, mentoring and guidance, often as non-executive directors or board advisors to early stage businesses.
Crowdfunding Equity Blueray Capital is delighted to partner with Seedrs, the UK’s leading equity crowdfunding platform. Seedrs brings an extensive institutional network of anchor investors: VCs, Family Offices and Investment Funds. Over £320m has been invested in over 600 transactions. Raise the capital you need via one of Europe’s largest investor communities, while engaging your network to build a group of passionate investors. Blueray Capital can help accelerate the process and simplify the path to investor success.
Sell Your Business A common thought process for many company owners is how to sell my business and achieve a successful exit? This is especially true for private, small and medium-sized, owner-managed and family businesses. For most owners a company sale is a once in a lifetime event and so maximising that value creation opportunity is important. If you want to sell your business this year or wish to prepare your company for sale in the future, please get in touch with Blueray Capital for a confidential discussion.
Investment Opportunities: Sophisticated/Self-Certified Investors only
Sophisticated/Self-Certified Investor Declaration
I declare that I am a self-certified/sophisticated investor for the purposes of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005. Click here to review/download the complete declaration.
Blueray Capital has partnered with Seedrs to introduce clients to a curated source of exciting early-stage equity investment opportunities. The Seedrs platform enables investors to carefully build their own private equity portfolio, diversified by sector, stage and geography. Seedrs is one of the few platforms to publish the performance of its funded companies and is the first to have an active secondary market, enabling investors to potentially realise early returns. For more information, click here or on the Seedrs logo.
Cryptocurrencies have grown exponentially since their creation in 2009, with the total market capitalisation standing at £200+ billion. While many consider investing in this space far too risky and volatile; a bubble waiting to burst; with 1,700+ currencies to choose from and more appearing each day, participation is a complex process. CRYPTO20 is the world’s first cryptocurrency-only, tokenised index fund, based on the Ethereum blockchain, aiming to provide a solution to this problem. The portfolio will autonomously maintain a diverse portfolio of the top 20 cryptocurrencies by market capitalisation through a weekly re-balancing process.
Initial Coin Offering
The Initial Coin Offering (ICO) sector is booming with over £4bn raised globally in 2017. However, the UK’s Financial Conduct Authority (FCA) has warned investors that “ICOs are very high-risk, speculative investments, which you should only invest in if you are an experienced investor, confident in the quality of the ICO project itself (e.g. business plan, technology, people involved) and prepared to lose your entire stake.” The regulator warned that “the coins issued in ICOs are subject to extreme volatility, often carry little or no investor protection, and are high-risk given the unregulated nature of the space and early stage of many projects”. With that said, the table below is a handy way to monitor the ICO space. Navigate around the Live and Upcoming ICOs and click on More Details to review those of interest.