FINANCE OPTIONS

450k Sale and Leaseback Finance – Get Your Quote Today

450k Sale and Leaseback Finance is property sale and leaseback finance: a UK facility where your business sells a commercial property (or land) and then leases it back, receiving a lump sum and continuing to operate from the same premises. Many SMEs use this approach to turn tied-up property equity into working capital or growth funding, without relocating and disrupting day-to-day trading. Funding Agent can help you compare suitable providers for a transaction targeted at around £450k, by focusing on the leaseback structure and the information they typically use to assess property and affordability.

Sale And Leaseback Finance

Secure up to £1,000,000 in Sale And Leaseback Finance with Funding Agent.

  • Fastest and easiest application process
  • Dedicated support
  • Loan disbursed within 24 hours
  • No additional charges for early repayment
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Why consider sale and leaseback finance

For property-led funding, the key is the lease economics and affordability under the ongoing lease. Below are practical reasons businesses target sale and leaseback structures, along with the factors that shape timelines and the effective finance cost.

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Unlock equity without relocating
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Fund capex and growth
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Plan payments with a lease framework

SCALE YOUR BUSINESS TO NEW HEIGHTS

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Providers
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Common sale and leaseback structures

Single-asset sale & leaseback

Best suited to SMEs and owner-occupiers with clear title to one saleable commercial property, such as freehold or long leasehold.

Single-asset sale & leaseback

In a single-asset sale and leaseback, the provider focuses on whether the property is acceptable to investors and can support the leaseback. Typical commitment is built around the lease term, not a short facility, with leaseback periods commonly 60 to 180 months. Amounts often range from £100k up to £10m total consideration, with £450k achievable where property liquidity, condition, and lease terms fit the provider’s underwriting.

Portfolio sale & leaseback (multiple properties)

Designed for groups that want liquidity across several operational properties, using blended underwriting.

Portfolio sale & leaseback (multiple properties)

Portfolio sale and leaseback applies when you have more than one operational property. Eligibility looks at overall portfolio liquidity and the availability of each asset for investment. Providers typically require strong title clarity across assets and may model comparable or uniform leaseback arrangements. Leaseback terms are often medium-to-long, commonly 84 to 240 months. Total portfolio outcomes can stretch from £500k to £50m+, so a £450k outcome may be possible if the portfolio has one dominant property.

Asset finance top-up within sale & leaseback

A combined package that coordinates property proceeds with additional asset finance or drawdown.

Asset finance top-up within sale & leaseback

This hybrid approach bundles sale and leaseback with an additional facility secured on operational assets, such as equipment, or with a drawdown element linked to completion. Total liquidity outcomes often range from £200k to £5m or more, with £450k achievable where property proceeds cover most of the requirement and the additional facility supports working capital or capex. Leaseback periods commonly run 60 to 180 months, while the added facility can be shorter, often 12 to 60 months. Pricing is structured separately for the property lease component and any linked finance.

Typical Funding Journeys on Funding Agent

Submit your funding request
Our platform enriches your application using business data
Your request is matched to suitable lenders
Receive offers and proceed with the best option

How Funding Agent helps you access it

Share property and company details

Tell us about your business, your ownership or tenure, and the commercial property you plan to sell and lease back. Include your basic expectations for the leaseback structure so we can align your request with providers’ underwriting approaches.

Get matched to providers

We review your fit against providers that are set up to support your property type and the leaseback approach you are considering. This reduces the risk of submitting information to lenders that cannot underwrite your specific structure.

Submit for underwriting

We help you assemble the documents typically needed for property and company checks, including information used for AML and due diligence. When your case is ready, the provider can progress valuation and affordability review towards an offer.

Get Funding For your business

Generate offers
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Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.
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Effortlessly explore a comprehensive database of lenders and organize potential funding sources that align with your business needs.​

FAQ’S

What borrowing range is typical for sale and leaseback finance?
How long does a sale and leaseback decision usually take?
How are sale and leaseback costs usually priced?
Which sale and leaseback structure suits my business?

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