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With property sale and leaseback, you sell the eligible property to the provider and then lease it back, keeping the asset in use while releasing cash. Typical facility terms are 60 to 300 months (5 to 25 years), depending on the structure and asset life. Pricing is usually reflected in the sale proceeds and lease rental level rather than a simple headline interest rate, with effective costs often landing in a broad band of around 8% to 12%+ per annum equivalent. Initial underwriting and legal review often takes around 2 to 6 weeks, longer where legal documents or title issues are complex.

Vehicle sale and leaseback converts cash tied up in existing fleet into funds you can use for working capital and growth, while continuing to operate the vehicles under a lease. Typical terms are 24 to 60 months (2 to 5 years), reflecting residual value and depreciation. Effective cost is commonly expressed through lease rentals, with equivalent finance costs broadly ranging from about 8% to 15%+ per annum depending on fleet quality, term and risk. Decision times are often around 1 to 3 weeks for suitability checks and underwriting, assuming vehicle documentation and valuation evidence are ready.

Machinery and equipment sale and leaseback can release cash for refurbishment, expansion or to reduce pressure from short-term borrowing, without stopping production. Providers typically use equipment valuation and eligibility checks, including evidence needed to transfer ownership and set up the lease arrangement. Terms are often 36 to 120 months (3 to 10 years), based on equipment life and depreciation profile. Effective costs are usually reflected in lease rentals, with an indicative broad range of around 9% to 14%+ per annum equivalent depending on asset volatility and borrower risk. Initial decisions commonly take around 2 to 5 weeks, especially where inspection and legal checks are material.