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Commercial freehold sale-leaseback is typically used by UK SMEs where the business occupies the property as its main operating base. Lenders commonly look for a clean title position, survey and condition outcomes that meet their requirements, and leaseback rent that matches trading affordability. Leaseback length is often agreed over about 180 to 300 months, with decision times commonly around 2 to 8 weeks when valuations and legal checks run smoothly. Pricing is usually expressed through rent and associated finance charges, and can vary based on property value, lease length, and covenant strength.

Long-leasehold sale-leaseback is often relevant when your equity is tied to a leasehold rather than a freehold. Providers typically pay close attention to the remaining lease term and the ability to structure the leaseback without creating unacceptable risks. The process can take longer because additional legal work may be needed around master lease arrangements, consents, and reversion-related risk checks. In practice, leasebacks can be aligned to the remaining lease term and commonly fall within 120 to 300 months where enough term remains. Indicative costs are usually determined via leaseback rent and finance economics rather than one consistent headline interest rate.

Partial portfolio sale-leaseback suits multi-site SMEs that want cash from one or more properties but do not want to exit premises entirely. Providers review each asset’s title, letting and occupation structure, and how manageable the leaseback is across potentially multiple leases. Typical borrowing amounts can range from around £100,000 to £5,000,000+ depending on the property mix and deal structure. Because portfolio deals involve more valuations and documentation, decision time is often 4 to 12 weeks. Pricing is reflected through rent and finance charges and can differ substantially across portfolios, based on risk and affordability across trading.