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With commercial property sale and leaseback, the business sells the property and leases it back, often with lease terms structured around 5 to 25 years. The deal is usually priced through lease rentals rather than a headline APR. For many SMEs, this supports refurbishments, expansion, or refinancing while staying in occupation, though completion commonly takes 4 to 12+ weeks because legal and title work is required.

Equipment sale and leaseback can be used to free cash already invested in machinery, plant (where appropriate), or other specialist equipment. Common lease terms are often 12 to 84 months. Initial review may take around 1 to 2 weeks, then completion can be 2 to 6 weeks depending on valuation and documentation. Costs are typically structured as lease rentals or a finance charge, with effective cost depending on the asset and term.

This type often uses lease terms around 12 to 60 months and can be a practical route to bridge seasonal cash gaps or inventory build. Eligibility requires strong clarity of asset ownership and stable trading evidence. Initial decisions may be around 1 to 3 weeks, with final completion roughly 3 to 8 weeks depending on legal and valuation complexity. Effective cost may be higher than longer-term structures due to the shorter funding horizon and risk profile.