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Property sale-and-leaseback (office/warehouse) is commonly structured around a property valuation and a leaseback that preserves continuity of occupation. Eligibility usually centres on owning an asset with clear title, acceptable condition, and sufficient value. Lenders also consider how the business will support the lease, including trading history and affordability. Lease terms are often around 60 to 180 months, depending on the asset and covenant, and deal costs are usually reflected through lease rentals rather than a simple headline interest rate.

Multi-property or portfolio sale-and-leaseback suits businesses with multiple occupied premises where occupation is consistently managed. Underwriting is typically based on portfolio valuation and a model of lease commitments across the assets. Because the provider assesses the stress points on lease payments against total liabilities, group structure and covenant strength are important. Leaseback terms commonly run from 84 to 240 months, and timelines can be longer where multiple valuations and legal schedules are required for each property.

A specialist structure with a longer lease horizon is used when the business wants the leaseback term to align with the useful life of the asset and longer continuity of occupation. While eligibility still depends on ownership and valuation, lenders emphasise controls over risk across the full horizon, including maintenance and repair assumptions and how insurance is handled. Lease terms are often 180 to 300 months where market appetite exists. Decision time can be longer because long-horizon deals usually require deeper underwriting, technical checks, and more extensive documentation.