^300k Sale and Leaseback Finance – Apply for Funding Now

Freehold sale and leaseback finance is typically used where the business owns the freehold or can transfer an eligible ownership interest. Providers generally assess the business covenant through trading history and rent-to-income style metrics, alongside the property’s suitability, location and planning use. Decision times are often 2 to 8 weeks, depending on valuation speed and how complex the lease documentation is.

Long-leasehold sale and leaseback finance can be a fit when the business does not have the freehold but still needs to release value. Providers review remaining original lease term, ground rent and covenants, and any restrictions on assignment or landlord consent. Typical decision times are often 3 to 10 weeks due to tenure checks and legal compliance around the leasehold interest.

With a fixed rent structure, providers price the deal through lease economics, often using implied yield or rent-based returns rather than a single headline APR. Effective costs can vary materially depending on lease length, rent level and how the provider prices risk from property obligations such as repairs and insurance. Decisions are often 3 to 9 weeks because the modelling and documentation scope can be broader.