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Operating lease (return/replace) arrangements are usually underwritten around trading history, the asset’s condition, and residual or remarketing prospects. Typical SME ticket sizes often range from £25k to £500k+ depending on asset value, deposit and residual assumptions. Terms are commonly 24 to 60 months. Costs are usually expressed as lease rentals rather than a standalone APR, with indicative total costs often landing around the mid-to-high single digits to low teens when expressed on an indicative APR basis.

With a finance lease, the provider typically assesses affordability and expected residual value to ensure the end-of-term value supports the deal structure. Common SME amounts can be £50k to £1m+ where the asset is suitable for remarketing. Typical terms are often 36 to 72 months, and decision times are commonly 1 to 3 weeks, extending to 2 to 6 weeks for deeper credit review or additional documentation. Pricing is usually built into monthly rentals and can equate to an indicative APR range depending on term, deposit, credit profile and residual assumptions.

Sale and leaseback is commonly considered when a business owns the asset outright, or has clear title and verifiable purchase history. The provider will typically focus on your ability to sustain rentals, plus the asset’s marketability and residual expectations. Typical amounts can be £25k to £1m+ and terms are often 24 to 60 months. Decision times are usually 2 to 6 weeks due to valuation and title checks. Rental costs are deal-specific and may be higher than new asset leases because of the way the existing asset is underwritten.