FINANCE OPTIONS

750k Sale and Leaseback Finance – Get Your Quote Today

750k Sale and Leaseback Finance refers to a structured sale and leaseback arrangement where a UK business sells eligible commercial property to a finance provider and leases it back under a long lease. Businesses use it to release capital tied up in property while keeping day to day occupation, so continuity is maintained. Providers focus on the lease structure, the property’s value and condition, and the business’s covenant. They also assess whether the company can sustain the rent payments over the agreed term. For many SMEs, this can help create liquidity without moving premises.

Sale and Leaseback Finance

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

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Benefits of sale and leaseback finance

For around £750k, sale and leaseback is often feasible when property value and lease terms align. Pricing is commonly expressed through an implied lease return rather than a simple interest rate, and indicative implied returns can sit in the broad 7% to 12%+ range depending on risk and structure. Timescales typically include an initial indicative decision in about 2 to 6 weeks, with completion often taking longer once valuation and legal work is completed.

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Keep operating from site
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Types of sale and leaseback finance

Single-asset sale and leaseback

Commonly used where one qualifying commercial property is owned outright or through a structure that supports legal transfer and letting. The business must be able to meet the lease rent payments based on covenant strength and trading.

Single-asset sale and leaseback

Single-asset sale and leaseback involves selling a specific commercial property such as an office, retail unit, industrial site, or warehouse, and leasing it back under a long lease. Typical amounts can range from about £250k to £20m depending on the asset and lease terms, with around £750k often feasible for mid sized assets. Terms are frequently structured for 36 to 180 months, with rent typically paid monthly or quarterly. Indicative pricing is based on an implied lease return, often in the broad 7% to 12%+ range, reflecting lease length, property risk, and covenant strength.

Portfolio or multi-site sale and leaseback

Designed for businesses with more than one qualifying property, often across several locations, where continuity of operations matters. Providers assess the aggregate ability to pay rent across the portfolio.

Portfolio or multi-site sale and leaseback

Portfolio or multi-site sale and leaseback can suit businesses that own several eligible commercial assets, where each property can be valued and legally transferred. Typical amounts often start around £1m and can reach £50m+, though £750k may still be possible for small portfolios. Lease terms are commonly around 60 to 180 months, depending on the negotiated arrangements across sites and the underlying risk. Because there are more valuations and legal checks, indicative decisions are often around 3 to 8 weeks, with completion frequently taking 6 to 12+ weeks. Pricing again uses implied lease return mechanics, influenced by concentration, occupancy, and covenant strength.

Lease incentives and repayment adjustments

Useful when you need flexibility in the early lease cashflow, such as aligning rent to refurbishment, letting risk, or a stepped ramp up. It still relies on affordability and covenant.

Lease incentives and repayment adjustments

This subtype keeps the core sale and leaseback structure but focuses on negotiating the lease rent profile. Businesses that need time for refurbishment or want rent to reflect short term cash strain may discuss stepped rents or lease incentives, sometimes alongside rent holidays early in the term. Typical amounts can range from about £250k to £10m+, with £750k often achievable when the property value supports the rent and lease structure. Terms are commonly 36 to 180 months. Indicative decisions are often about 3 to 7 weeks for the additional lease modelling, and completion may take 5 to 12+ weeks depending on how incentives are documented and implemented.

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 sale and leaseback

Share property and business details

Tell us about the property you want to sell and lease back and your business and trading overview. Include basics on ownership or tenure, occupancy and use, and any relevant information for covenant assessment so we can understand fit with sale and leaseback underwriting.

We match you to lenders

Funding Agent screens your profile against lenders that do SME sale and leaseback. We help you understand what lease terms and valuation requirements are likely to apply, so you can focus on routes that align with your property position and rent affordability.

Submit for valuation and terms

Once you choose a route, we help prepare the lender pack so the provider can run valuation and legal checks. This supports movement to heads of terms for sale price and lease structure, and helps reduce common submission gaps that can delay the process.

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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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FAQ’S

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