^150k Sale and Leaseback Finance – Get Your Quote Now

Standard property sale-leaseback (full ownership) is typically used by UK SMEs with property they fully own (or have a clear legal interest). Funders usually focus on your ability to sell, evidence of legal title, and leaseback requirements that preserve continuity of occupation. Eligibility can be affected by issues such as short unexpired lease length, major defects, or unclear ownership, and the transaction must remain affordable based on lease rentals and your cash flow.

Portfolio or multi-site sale-leaseback supports businesses looking to release capital across multiple properties rather than refining one site at a time. Eligibility depends on each property’s legal status and saleability, consistent occupancy and business use, and affordability at the total portfolio lease rental level. Because there are more valuations and legal checks, timelines are often longer, with decisions frequently around 3 to 8 weeks after submission.

Sale-leaseback with lease incentives or refurbishment-linked structure is built for owner-occupiers where the funding aim is connected to refurbishment or tenant improvements. Eligibility considers property condition and how planned works are handled in the lease terms. Lenders may request schedules of works and evidence of contractor capability and cost control. The process usually adds survey or works assessment, so decisions are often in the 3 to 7 week range.