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Property sale and leaseback finance suits UK limited companies, LLPs and sole traders with commercial property in their ownership. The asset should be in operational use, or due to be upon completion, and you must show you can meet lease rental commitments through accounts, forecasts and affordability testing. Providers also consider tenant or occupancy stability, location, marketability and whether the lease structure fits underwriting requirements.

Structuring is often based on releasing around 60% to 85% of assessed market value, with typical lease terms of 60 to 240 months. For a £400k planning example, sale proceeds can commonly fall roughly between £240k and £340k, subject to valuation haircuts, costs and lease length.

Equipment sale and leaseback finance targets businesses that own qualifying equipment and can provide evidence acceptable to the provider. Underwriting focuses on condition, maintenance history, usage intensity, obsolescence risk and the residual value that may be recovered at lease end. You may need to keep insurance and maintenance in place, and some restrictions can apply around removal or upgrades without consent.

Lease terms are often 36 to 120 months, aligning with asset lives and residual expectations. Interest-equivalent cost is typically presented via lease rentals, and a practical planning guide can sit around 7% to 13% p.a. For a £400k reference, equipment proceeds are often structured so proceeds might map to roughly £200k to £330k depending on residual assumptions and transaction costs. Decision time is frequently 2 to 5 weeks where valuations and documentation are straightforward.

Part sale and leaseback with retained interest is for businesses that want a partial value release rather than exiting ownership fully. Eligibility still requires a clear ownership position over what is sold and an acceptable structure for the retained interest. Affordability and risk assessment remain central, including the lease terms and, where relevant, the security package. Complexity is higher because legal and operational arrangements must accommodate the retained exposure.

For a £400k planning reference, sale proceeds commonly fall roughly between £150k and £300k, influenced by valuation haircuts and how the retained interest is structured. Lease terms are often 60 to 180 months for property variants, or 36 to 120 months for structured equipment deals. Practical interest-equivalent ranges can be around 7% to 14% p.a., with decision time often taking 3 to 8 weeks due to additional negotiation and documentation.