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For a single-asset leaseback, typical structures are designed to align with property and leaseback risk, often around 120 to 360 months. Amounts can commonly start from around £250,000 and extend to several million pounds, and for a £600k target this structure is often used to raise roughly £500,000 to £900,000 net proceeds after transaction costs and any debt pay-off. Pricing is generally embedded in the sale and lease economics rather than a standard SME loan APR, and decisions often take 2 to 6 weeks for initial underwriting once the property and lease information is available.

Net leaseback or rent-indexed structures are usually built for longer certainty, often 180 to 360 months, depending on how durable the net rent is and how outgoings and indexation are allocated. Typical amounts range from about £300,000 up to £5m+, with net proceeds depending on rent, outgoings responsibilities and property type. As with other leasebacks, the effective cost is reflected in rent, indexation and provider economics rather than a single headline APR. Providers often take about 3 to 8 weeks from document pack submission because they may model net rent durability and outgoings risk more intensively.

A conditional leaseback with deferred completion or works can be useful when you need liquidity but want the final leaseback to meet agreed requirements. Typical terms are often around 120 to 300 months, and amounts commonly range from about £250,000 to £3m+, depending on how conditions affect valuation and lease certainty. Costs are again reflected in lease terms, with pricing influenced by delivery and timing risk, so effective cost may be higher than for similar property and covenant strength unconditional leasebacks. Decision times are often 4 to 10 weeks initially because providers review condition precedent documentation and confirm deliverability of the lease and property position.