Bluestone Leasing - What are the alternatives?
Why Finance?
Why Bluestone?
Product Range
What Assets?
You and Us
What Alternatives?
What are the alternatives to leasing?
Challenges for your customers

Cash
  • Uses up working capital
  • VAT payable up front
  • Will generally mean that full cost cannot be allowed against tax
  • Why invest in a depreciating asset?
  • Higher initial outlay means returns on capital are slower
Overdraft
Same downsides as cash, plus:
  • Overdrafts can be withdrawn at any time
  • Security will have to be given over all assets
  • Personal guarantees from the directors may be required
  • The rate of interest can go up
  • The liability will appear on your balance sheet
Bank loan/HP
Similar downsides to overdraft except that:
  • Rate of interest more likely to be fixed
  • Personal guarantees unlikely for HP
  • Not repayable on demand
Re-mortgage
Similar downsides to overdraft except that:
  • Set-up costs likely to be higher
  • Not repayable on demand
"A bank is a place that will lend you money
if you can prove you don't need it"
Bob Hope