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Property sale and leaseback with a long lease is often used where your business needs to keep operating from the same site while monetising the asset. Typical transaction sizes often start around £250,000 and can extend into the £1m+ range, with lease durations commonly in the 120 to 300 months window (10 to 25 years). For around £800k, property valuation, the lender’s loan-to-value or equivalent limits, and rent affordability usually drive what is possible.

Short or medium leasebacks can help growth SMEs that have a time-bound premises strategy. Lease durations are commonly 60 to 180 months (5 to 15 years), and the lender’s underwriting may assume a different risk profile than long-lease deals. While transactions can still reach £1m+ depending on the asset, an £800k target is possible when the proposed lease term, property liquidity, and tenant covenant support the affordability model. Expect lead times shaped by valuation and lease drafting.

Refinance-led sale and leaseback is aimed at businesses that want to replace existing liabilities using sale proceeds. It is commonly structured alongside legal discharge planning because lenders must understand current debt position and the steps required to redeem or remove existing security. Typical SME facility sizes often run from £250,000 to £2m, and £800k transactions are common where property value and lease strength support underwriting. Decision timelines often reflect the additional work to model redemption and complete legal due diligence.