Finance solutions for UK businesses and property professionals

Why Blueray Capital?

Blueray Capital is an award-winning commercial finance specialist providing cost-effective business finance solutions to established UK businesses to help them achieve their growth & development goals. We partner with over 150 funds, banks and institutions, many of whom are not accessible directly, to save our clients time and money.

Property Finance

Bridging, development and mortgage finance

Residential property image for bridging finance

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, submit a summary of the property concerned on our enquiry form.

Residential property image for development finance

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.

Terms vary, but 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 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 an indication of terms, submit a summary of the project on our enquiry form.

Row of houses image for BTL mortgage finance

Mortgage Finance

We are a whole of market, specialist, buy-to-let mortgage broker sourcing BTL mortgages and commercial mortgages up to £15m in England & Wales. We have direct access to hundreds of products from all the leading 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, submit a summary of your case on our enquiry form.

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 short-term finance solution to fund company growth & expansion, provide cashflow stability, refurbish premises or hire staff. Working capital loans are available quickly at competitive interest rates, from 2% plus an arrangement fee. Director personal guarantees may be required but there are usually no early repayment costs.

To receive a prompt indication of terms, submit a summary of your working capital requirements on our enquiry form.

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. Overall 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, submit a summary of your invoice finance requirements on our enquiry form.

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.

Acquisition Finance

Finance for acquisitions, shareholder exits, MBOs and MBIs

Business people meeting image discussing acquisition finance

Acquisition Finance

We are an award-winning debt advisory and acquisition finance specialist providing corporate finance to support trade acquisitions, buy and build strategies, management buyouts, MBIs and recapitalisations from £500k up to 7 years.

Debt financing is either secured on property or other tangible business 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 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.