FINANCE OPTIONS

^850k Sale and Leaseback Finance – Get Your Quote Now

Q: How much cash might an £850k sale and leaseback release?

Proceeds are usually linked to the agreed property valuation and the structure of the leaseback. For a property sale with new leaseback, outcomes commonly fall around 60% to 85% of valuation. For an £850k example, that can mean a broad £500k to £750k band, though results can be higher or lower depending on valuation, lease length and risk.

Q: How long does the sale and leaseback process take?

Timelines are typically measured in weeks. A typical initial decision is about 3 to 8 weeks for a standard submission. Funds are often available after completion of the sale and legal documentation, sometimes a further 2 to 8 weeks beyond initial underwriting. Speed can depend on title and property information, valuation lead times and lease drafting complexity.

Q: Is pricing given as an interest rate or an APR?

Sale and leaseback finance is often priced through lease rentals and or an implicit yield rather than a quoted APR. Equivalent costs can differ materially between deals because pricing is influenced by lease term, rent profile, indexation or rent review design, and property and tenant risk.

Q: What makes a business eligible for sale and leaseback?

Eligibility usually starts with property eligibility and acceptable title so the business can grant a lease. Lenders also look at tenant covenant strength and affordability for the expected lease rentals, alongside evidence of property condition via valuation or survey. For limited company transactions, recent accounts and trading history are also assessed, and personal guarantees may affect affordability if requested.

£850k sale and leaseback finance is a type of sale and leaseback finance where a UK business sells an eligible property asset to an investor or lender and then takes it back on a long lease. Businesses use it to release a cash injection upfront while continuing to occupy the premises, with lease rentals paid over the agreed term. The transaction often supports working capital, debt consolidation or expansion, especially when you want to keep operating at the same address and do not want to treat the property as unsecured borrowing.

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

For an £850k sale and leaseback, the key is how the lease structure links your cash injection to ongoing lease affordability. Lenders commonly price deals through lease rentals and an implicit yield, so equivalent costs can differ by lease term, rent reviews and tenant strength. Typical decisions are often 3 to 8 weeks for a standard submission.

Unlock cash from property

Keep trading on-site

Support refinancing and growth

SCALE YOUR BUSINESS TO NEW HEIGHTS

Common types of sale and leaseback

Property sale with new leaseback

This option typically suits businesses that own the property outright or have enough equity to grant a lease. Lenders focus on tenant covenant strength, property condition, and clear title.

Property sale with new leaseback

In a property sale with new leaseback, you sell the eligible premises and then lease them back on a long lease. Cash proceeds are often structured as a percentage of agreed valuation, commonly around 60% to 85%. For an £850k example, deal proceeds may often fall within a broad £500k to £750k band, depending on valuation, lease length and property and tenant risk. Terms are often 60 to 240 months, typically around 5 to 20 years.

Limited company sale & leaseback

Often used by trading limited companies where the priority is a covenant that can support lease rental commitments. Property eligibility and occupier status still matter.

Limited company sale & leaseback

Limited company sale and leaseback finance is frequently a fit where a trading company can meet ongoing rent obligations. Proceed amounts generally depend on property valuation and covenant strength, with many SME and upper-mid market deals structured around roughly 65% to 80% of value in covenant-sensitive structures. Many arrangements run for 72 to 180 months. Pricing is usually embedded in lease rentals or an implicit yield, varying with lease design, tenant credit quality and repair obligations.

Index-linked or rent-review leaseback

This structure adds indexation or rent review mechanics, which can suit longer planning horizons, but requires affordability for future escalations.

Index-linked or rent-review leaseback

With index-linked or rent-review structured leaseback finance, the lease includes mechanisms such as indexation or agreed rent review provisions. Eligibility still depends on acceptable property title and valuation and a tenant covenant able to support longer rental obligations. Cash proceeds typically remain linked to valuation and risk. For an £850k property, outcomes may often be within a broad £500k to £750k band. Leases are commonly 84 to 240 months, and pricing changes with longer tenors and the structure of rent escalations.

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 funding

Tell us about your property

Share details of the asset you want to sell and lease back, how you occupy the premises, and a rough valuation range. If you have one, include an estate agent or valuer reference to support early matching.

Start by completing the online application form.

Share company and financials

Provide trading history and accounts or management information. This helps Funding Agent assess whether your business can meet lease rentals and what typical deal structures may be a better fit for your affordability profile.

Compare options and submit

Funding Agent matches you to suitable providers, helps you prepare the core information for underwriting, and coordinates next steps through valuation and lease legal documentation. This aims to reduce time spent on unsuitable submissions.

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

How much cash might an £850k sale and leaseback release?

How long does the sale and leaseback process take?

Is pricing given as an interest rate or an APR?

What makes a business eligible for sale and leaseback?

DIVE DEEPER

June 24, 2025

We Like To Keep Things Simple

Match with

150+

Lenders

Loans from

£1000
to
£1m

^850k Sale and Leaseback Finance – Get Your Quote Now

^Benefits of sale and leaseback finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Common types of sale and leaseback

Property sale with new leaseback

Property sale with new leaseback

Limited company sale & leaseback

Limited company sale & leaseback

Index-linked or rent-review leaseback

Index-linked or rent-review leaseback

Typical Funding Journeys on Funding Agent

How to get sale and leaseback funding

Tell us about your property

Share company and financials

Compare options and submit

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..