FINANCE OPTIONS

^Get 550k Sale and Leaseback Finance – Apply Now

Q: What borrowing range is typical for a £550k sale and leaseback deal?

Borrowing capacity is typically shown as a minimum of £250,000 and a maximum of £10,000,000. The amount you can access depends on factors such as property type, valuation, achievable leaseback rent and rental cover, lease term length, and the business’s covenant strength, plus deal complexity such as single-asset versus portfolio.

Q: How long does a sale and leaseback transaction usually take?

Initial underwriting decisions are often around 2 to 6 weeks after receiving complete business and property information. Completion and release of funds often take 6 to 12 weeks or more after initial submission, and can be longer for leasehold consent issues or more complex legal and title matters.

Q: How are sale and leaseback costs priced compared with an APR?

Sale and leaseback pricing is usually expressed through lease rental and overall deal economics rather than a standard loan APR. This means the effective cost can vary widely due to market interest rates, property yield assumptions, lease term and structure, and how strong the business underwriting is for the transaction.

Q: Which sale and leaseback types suit different ownership positions?

There are common routes depending on what you own and how the property is occupied. Freehold property sale-leaseback suits businesses with clear freehold title and workable lease terms, often over 10 to 25 years. Long leasehold sale-leaseback depends heavily on remaining lease term and any landlord consent requirements. For larger needs, single-asset or portfolio structures may also be considered based on how investors can underwrite property risk.

550k Sale and Leaseback Finance is a type of sale and leaseback finance where a UK business unlocks cash tied up in property by selling the premises and leasing it back. This can help you turn property value into liquidity while typically keeping operational continuity through monthly lease payments. Businesses commonly use sale and leaseback to fund growth or refurbishment, repay existing secured borrowing, and add working capital headroom when a conventional secured loan may be difficult to structure. It is usually transaction-led, with the core focus on agreeing the lease terms after property and legal checks.

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

Apply Now

^Benefits of sale and leaseback finance

Sale and leaseback is designed for businesses that want property equity converted into cash, while replacing some balance sheet pressure with an agreed lease commitment. Pricing is commonly expressed through lease rental and overall deal economics rather than a standard loan APR, and timelines depend on property readiness and legal documentation. Here are key considerations for a transaction around £550k.

Release equity, stay operating

Support growth and refinancing

More predictable lease commitment

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of sale and leaseback deals

Freehold property sale-leaseback

For businesses that own the freehold, a freehold property sale-leaseback converts clear title into sale proceeds. It can support lease terms typically set around 10 to 25 years, with pricing expressed via lease rental and overall deal economics.

Freehold property sale-leaseback

A freehold property sale-leaseback is often used where the property is suitable for sale to an institutional landlord or lessor, and the business can support the ongoing lease. Typical requirements include satisfactory trading history, affordability for lease rentals, valuation evidence (often an RICS-style assessment), and property compliance. Decision timing is frequently several weeks once property and legal packs are ready. This structure is common for asset-rich SMEs such as engineering firms, warehouses, and office or retail unit owners.

Long leasehold sale-leaseback

If you own a long leasehold interest, a long leasehold sale-leaseback can release capital without moving premises. Deal structure and timing can be influenced by remaining lease term and any landlord or third-party consent requirements.

Long leasehold sale-leaseback

A long leasehold sale-leaseback focuses on whether the remaining lease term and leasehold assignment mechanics allow the investor to underwrite the transaction. Trading history and affordability are still assessed, alongside how the leasehold terms interact with the investor’s expectations. These deals can take longer than freehold where consents are required. They are often used by SMEs occupying long leasehold commercial units who need liquidity tied to their occupation interest.

Single-asset vs portfolio

Single-asset sale-leaseback deals focus on one property, while portfolio structures involve multiple assets. Portfolio deals can be longer due to extra valuations and legal checks, but both aim to keep the business in occupation.

Single-asset vs portfolio

In a single-asset sale-leaseback, eligibility centres on the clarity of title, the occupancy/covenant position, and whether the property can be underwritten by the buyer/lessor. Portfolio deals consider diversification across assets, and the weaker link across lease terms, condition, or location can shape the overall economics. For £550k-type queries, single-asset transactions often land in the hundreds of thousands to low millions. Portfolio deals can reach several millions depending on assets and how risks are assessed.

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 to get sale and leaseback finance

Tell us about your property

Share ownership details such as freehold or leasehold, the property address, current use, approximate value, and the amount you want to release (for example around £550k). Include a short summary of your business needs so we can match the right structure.

We shortlist suitable lenders

Funding Agent assesses fit to common sale and leaseback structures, including single-asset versus portfolio options and the impact of lease length for leasehold cases. We then match you to providers that can underwrite your property and occupier covenant profile.

Apply and progress to completion

Once you choose a route, we guide you through next-step submissions for valuation and underwriting. We also help you coordinate the timeline toward legal documentation and sale and leaseback completion, taking into account where complexity may add time.

Get Funding For your business

Generate offers

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.

FAQ’S

What borrowing range is typical for a £550k sale and leaseback deal?

How long does a sale and leaseback transaction usually take?

How are sale and leaseback costs priced compared with an APR?

Which sale and leaseback types suit different ownership positions?

DIVE DEEPER

June 24, 2025

We Like To Keep Things Simple

Match with

150+

Lenders

Loans from

£1000
to
£1m

^Get 550k Sale and Leaseback Finance – Apply Now

^Benefits of sale and leaseback finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of sale and leaseback deals

Freehold property sale-leaseback

Freehold property sale-leaseback

Long leasehold sale-leaseback

Long leasehold sale-leaseback

Single-asset vs portfolio

Single-asset vs portfolio

Typical Funding Journeys on Funding Agent

How to get sale and leaseback finance

Tell us about your property

We shortlist suitable lenders

Apply and progress to completion

Get Funding For your business

Real Scenarios

Construction Company Needing Fast Working Capital

Ecommerce Business Preparing for Peak Season

Marketing Agency Using Invoice Finance

Property Developer Using Bridging Finance

Get A Clear Overview of Cost Effective Lenders

FAQ’S

DIVE DEEPER

What Is Asset Finance?

How Asset Finance Can Boost Cash Flow for Your Business

Asset Finance vs Invoice Finance: Which Is Right for Your Business in 2026?

We Like To Keep Things Simple

zero hidden fees

Extra bits you might find useful..