^250k Sale and Leaseback Finance – Get Your Quote Today

Property sale-and-leaseback (full transfer) involves selling the property asset to the investor and taking back occupation through a new lease. For eligibility, UK incorporated companies or UK-registered businesses generally need freehold or long-leasehold commercial property in their own name, or where any title issues are resolvable. Lenders commonly want property that is unencumbered or refinanceable and evidence the business can meet lease rental payments. Deal sizing is often influenced by valuation and lease considerations, with common terms ranging from 120 to 300 months.

This route is similar to a standard sale-and-leaseback, but lenders typically require extra comfort that refurbishment plans are deliverable. The property condition and any planning or works assumptions (where applicable) are assessed, and the lease terms reflect the added investment risk. Funding can help you modernise, reconfigure space, improve energy performance, or maintain compliance, while releasing cash without waiting for conventional loan drawdowns. Because refurbishment diligence is deeper, decision time can be longer, often around 4 to 10 weeks for initial processing.

Leaseback on mixed-use or multi-asset holdings can help groups and multi-site operators release cash where property is held across several locations or asset types. Eligibility depends on clear legal ownership and the ability to document sale and lease arrangements appropriately for each element. Lenders assess occupancy and risk across the portfolio, and the lease structure may be separated to match how areas are actually used. For amounts, deals often start around £200,000 and can reach several million pounds depending on the assets involved. Typical terms are frequently in the 120 to 300 month range.