Business Funding

Working capital finance to support the growth of your business

Finance graph showing growing revenues image. Working capital

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.

Large ship carrying containers image for trade finance

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 partnership with a global, direct financial instrument issuer.

We can arrange bank instruments such as, Letters of Credit (LC), Bank Guarantees (BG) and Standby Letters of Credit (SBLC) via their credit lines with leading global & regional banks.

The minimum transaction is £250,000 for LC and £500,000 for BG & SBLC with no maximum value. Fees range from 1% to 7%, dependent on transaction size, with no annual charges. 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.

Two businessmen reviewing debtors image for invoice finance

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.