Bluecroft Finance Reviews

Bluecroft Finance is a UK-based independent finance broker founded in 2014, specialising in arranging asset finance and equipment funding for businesses. It operates as a broker, not a direct lender, and works with a panel of UK lenders to source finance for a wide range of business assets.

Key features

Bluecroft Finance offers a broker-led service with a dedicated account manager. Borrowers benefit from access to a panel of multiple UK lenders, which may support competitive rates. The service includes no upfront fees for the initial consultation and quote.

• Specialist expertise in asset finance and equipment funding
• Quick decisions, often within 24 hours of application
• Flexible finance structures including Hire Purchase, Finance Lease, and Vehicle Finance
• Support for startups and businesses with limited trading history
• Fixed repayment terms for predictable budgeting

Eligibility

Businesses may qualify if they are UK-registered. There is no minimum trading period, so startups are considered. No minimum annual turnover requirement has been specified. Asset finance typically excludes intangible assets, property, and unsecured lending. Geographic coverage is limited to the United Kingdom.

Loan options

Bluecroft Finance arranges asset finance products through its lender panel. Funding amounts range from £1,000 to £10,000,000 or more, with repayment terms of 12 to 60 months. Rates vary by lender and asset type, with representative APR starting from around 4.9% to 5.9%. A broker arrangement fee typically applies, ranging from 2% to 5% of the finance amount, and may be added to the loan.

• Asset Finance (Hire Purchase): New and used assets such as vehicles, machinery, and IT equipment can be financed. The asset is used as security, and ownership transfers at the end of the term. Flexible deposit options (0% to 50%) are available. Startups and businesses with less than 12 months trading can be considered.
• Finance Lease: Suitable for assets that become obsolete quickly, such as IT and medical equipment. Monthly payments are typically lower than Hire Purchase. The borrower never owns the asset unless a purchase fee is paid at the end. Startups can be accommodated with a business plan.
• Vehicle Finance: Covers cars, vans, trucks, HGVs, and specialist vehicles. New and used vehicles up to 10 years old are accepted. Quick decisions are often available within 24 hours. The vehicle is used as security.

How to apply

Applications can be made via an online enquiry form or by phone. The initial decision is typically provided within 24 hours, subject to the lender panel. After acceptance, funds are usually released within 48 to 72 hours.

• Complete the application form
• Provide last 3 to 6 months of business bank statements
• Submit proof of identity (passport or driving licence)
• Provide proof of address (utility bill)
• Supply details of the asset being financed (invoice or quotation)
• Present a business plan if applying as a startup

Funding Agent's view

Bluecroft Finance is a specialist asset finance broker that may be suitable for UK businesses looking to fund equipment, vehicles, or machinery. Its access to a panel of lenders could help borrowers compare options, and its willingness to consider startups with limited trading history may appeal to newer businesses. However, the broker-led model adds an intermediary layer, and the final rates and terms depend on the chosen panel lender. A broker arrangement fee and a personal or directors guarantee are typically required. Businesses seeking invoice finance, unsecured lending, or revolving credit will need to look elsewhere. Overall, Bluecroft Finance offers a structured, advisor-led route for asset-based borrowing, with clear trade-offs in cost and dependency on intermediary handling.