Frequently Asked Questions

To best serve your needs, Bluecroft offer financing solutions for a variety of high-value assets, including:

• Timepieces: Bluecroft specialise in Watches exceeding £10,000 in value.
• Jewellery and Diamonds: Bluecroft evaluate precious stones and designer pieces.
• Fine Art: We are currently expanding our services to
  include financing for valuable artwork on a case-by-case basis.
• Handbags: From iconic designers and in excellent
  condition.
• Classic & Luxury Cars: From timeless Jaguars to elegant Aston Martins, we appreciate the heritage and value of a range of luxury and classic vehicles. 

Bluecroft evolves with the times; we constantly reassess the types of luxury assets we can accept. For inquiries about specific high-value items, please don't hesitate to contact us on 0161 504 6988 for a bespoke solution.

At Bluecroft, we can offer finance for up to 90% of the appraised value of your asset. For more details on LTV and how it applies to your specific situation, please contact us on assetenquiries@bluecroft.com

At Bluecroft, we strive to deliver a fast and efficient loan approval process, with turnaround in as little as 24 hours. Once you submit your item for appraisal, our team will conduct a preliminary assessment to determine eligibility and value. The speed in which you get your collateral to us for appraisal will influence the timeline. To expedite the process, we recommend gathering all necessary verification documentation upfront.  For a more accurate estimate on your specific situation, please contact a Bluecroft loan specialist on assetenquiries@bluecroft.com

There are no upfront fees when applying for a loan with Bluecroft. We specialise in bespoke loan agreements; any applicable fees will be made clear in your individual loan agreement, but rest assured there are no charges for application or valuation.

At Bluecroft, we understand that life happens, and unexpected circumstances can arise. If you're facing difficulty repaying your loan, we encourage you to contact us as soon as possible. We're here to work with you and explore potential solutions.

Borrower confidentiality and discretion is paramount to Bluecroft. Your financial information and the specifics of your loan application are kept completely private. We work with you to complete the loan process as efficiently as possible while maintaining your privacy. If you have any questions about what information we collect and how it's used during the process, please don't hesitate to ask.

Absolutely! At Bluecroft, we specialise in the outright purchase of luxury assets. Whether you have a fine timepiece, a collection of rare gems, or a high-end car, we're always ready to make a swift and secure purchase directly from you.

Here's what you can expect when selling your luxury asset to Bluecroft:

Free valuation: Our team of experienced appraisers will provide a free, no-obligation valuation of your asset, ensuring you receive a fair market price.

Seamless transaction: We handle the entire sale process, from initial contact to final payment, with efficiency and discretion.

Fast funding: Once we agree on a price, you'll receive prompt payment for your asset, often within 24 hours.

Discretion assured: We understand that selling a luxury asset can be a personal matter. We prioritize your privacy throughout the process.

If you're considering selling a luxury item, Bluecroft offers a secure and convenient solution. Contact us today to discuss your asset and receive a free valuation.

Bluecroft use only the most experienced appraisers, with a legacy of valuing luxury assets for generations. We have built a strong reputation in the industry for our valuation expertise, speed and fairness.

Initial Consultation: First, we'll arrange a convenient meeting to discuss your item in detail. This allows me to understand its history, provenance and any unique features. If preferred, your item can be sent using our insured courier service for remote examination.

Meticulous Inspection: Your item will be meticulously examined. Our unmatched knowledge and experience will be applied to assess its condition, authenticity, and craftsmanship. Depending on the asset type, specialised tools or reference materials may be needed to ensure accuracy. Providing all relevant paperwork and accompanying merchandise where possible, will aid us in establishing authenticity.

Market Research: We’ll then delve into current market trends for similar items. This includes auction results, recent retail sales, and industry publications.

Comparable Analysis: By comparing your item to similar pieces that have recently sold, we can establish a fair market value range.

Final Offer: Following a thorough evaluation, you’ll be provided with a final appraisal value, which you’re free to accept or reject, with no obligation.

If you have any further questions about the appraisal process, please don't hesitate; contact Bluecroft today on 0161 504 6988.

Safeguarding your valued assets throughout the loan term is vital to Bluecroft. While your assets serve as collateral for your loan, we employ a multi-layered security approach to ensure their safety throughout the loan term. Your assets will be stored in a highly secure, state-of-the-art storage vault. Once you have successfully repaid the capital and the final interest payment on your loan, we swiftly arrange for you to be reunited with your valued asset, in the exact condition in which you left it.

Bluecroft prioritise the complete security of your assets throughout the loan term. This includes safeguarding them against unforeseen circumstances through a robust insurance policy. Your asset will be insured for its full replacement value. In the unlikely event of loss or damage, this ensures you receive a payout sufficient to replace your asset entirely.

Should you have any further questions regarding the specifics of our insurance policy or desire a copy of the certificate of insurance, please don't hesitate to ask our team.

The minimum loan amount we currently offer at Bluecroft is £20,000. This threshold allows us to effectively manage the loan process and provide competitive rates for our clients. If the value of your desired asset falls below our minimum loan threshold, we may be able to recommend alternative financing solutions. We encourage you to contact us at assetenquiries@bluecroft.com to discuss your specific requirements.

Unlike traditional lenders, Bluecroft can assess the value of your loan on a case-by-case basis. The maximum loan you can qualify for depends on several factors, with the primary factor determining your loan amount is the resale value of your asset. We typically lend up to 75% of your assets resale value, but in certain circumstances will consider up to 90% LTV.

The best way to determine the maximum loan Bluecroft can offer you is to get in touch with one of our team by calling 0161 504 6988.

At Bluecroft, we understand that a "one size fits all" approach doesn't apply to asset finance. That's why we offer a variety of loan terms to best suit your specific requirements and budget. We offer competitive terms and interest rates based on your unique situation. Any applicable fees, such as a one-time arrangement fee, will be clearly outlined in the loan agreement. We encourage you to ask questions and discuss your individual circumstances to achieve the best financing options. We're here to ensure you fully understand the loan terms before making a decision; call our team today on 0161 504 6988.

We offer flexible prepayment options to provide you with control over your loan.

Prepayment Flexibility: You have the ability to prepay your loan in full or by making larger-than-minimum payments at any time during the term.
Early Settlement Fee: Some of our loan agreements may include an Early Settlement Fee to compensate for the interest we would have earned over the remaining loan term. However, this fee is typically capped at 6 months of interest.
Transparency in Loan Agreements: The specific terms regarding prepayment, including any Early Settlement Fee, will be clearly outlined in your loan agreement. We encourage you to review these details thoroughly before signing.

We recommend contacting our team to discuss your prepayment options and any Early Settlement Fee that might apply to your specific loan scenario.

At Bluecroft, we pride ourselves on offering tailored loan solutions through communication; we encourage you to discuss your specific situation with one of our loan specialists. By understanding your individual needs, we can explore options that optimise your financing experience. Please get in touch at assetenquiries@bluecroft.com to discover how we can help you

We value your time and understand that business needs can evolve. If you decide not to proceed with the loan after submitting an application, there are no penalties involved. If you have already provided any collateral as part of the application process, we will work with you to arrange a swift and secure return. If you have any concerns or require clarification before making a decision, please don't hesitate to reach out to our loan specialists on 0161 504 6988.

Bluecroft offer both loan and purchase options to help you unlock the finance you need. While selling your asset can generate immediate cash, an asset finance loan offers the distinct advantage of allowing you to retain ownership of the asset you love. Our loan specialists can work with you to understand your specific requirements and develop a financing solution that leverages the value of your asset while aligning with your goals. Contact us today on assetenquiries@bluecroft.com

Our friendly team are on hand to help get you started with your asset finance loan.

Please collect the following information to expedite the application process:

Desired Loan Amount: Identify the specific loan amount you require.
Preferred Loan Term: Indicate your preferred repayment period for the loan.
Asset Details: Prepare high-quality photographs of each asset you wish to use as collateral. For valuables like watches, include pictures of any receipts, warranties, and prior valuations you may have.
Business Information: Have your company name readily available.
Financial Documentation: Collect your most recent 3 months of bank statements for your business account.
Identification and Verification: Prepare a copy of your government-issued ID and proof of address to facilitate Anti-Money Laundering (AML) checks.
Initiate Your Application: Once you have gathered the necessary information, contact us by email at assetenquiries@bluecroftfinance.com.