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In a property sale and leaseback, a provider buys the property and you lease it back under an agreed lease. Typical terms often run from 60 to 240 months, depending on lease length and asset life, and initial underwriting decisions are often reached within 2 to 8 weeks after valuation and basic covenant and asset review. Pricing is usually reflected through lease rent rather than a single quoted APR, with implied equivalent financing costs commonly varying broadly depending on risk and lease details.

A long leasehold sale and leaseback relies on the headlease terms, remaining lease length, and any restrictions on transfer and leasing. Typical leaseback terms are often 60 to 180 months, but unexpired term can constrain the structure. Decision times are commonly 3 to 10 weeks, as leasehold title checks and documentation can extend underwriting and legal timelines. Lease rent drives pricing, so the economics reflect remaining lease life and covenant strength, not a one-size-fits-all interest rate.

Specialist asset sale and leaseback is often used for purpose-built facilities where maintainability and re-letting prospects can be evidenced. Providers commonly structure transactions over 60 to 240 months, but they may shorten the term where asset usability or marketability is less certain. Initial decisions can be around 4 to 12 weeks due to detailed valuation, condition surveys, and underwriting around exit risk. As with other sale and leaseback structures, pricing is usually expressed through lease rent with implied equivalent costs often varying widely with asset risk and lease structure.