^900k Sale and Leaseback Finance – Get Your Quote Today

With a full-property sale and leaseback, the business typically continues day-to-day occupation after completing the sale and entering a commercial lease with the investor. Lenders commonly review the property title, evidence of ongoing trading, and whether the leaseback can be agreed within acceptable covenant and lease terms. For funding levels such as around £900,000, providers look to valuation support and the ability for sale proceeds to redeem or restructure any senior charges.

A partial sale or asset-light leaseback can be considered where an SME does not wish to sell the entire property interest, or where parts of a building are more suitable to be underwritten and sold. Eligibility depends on how the interest can be legally partitioned or valued, plus the ability to agree a leaseback that preserves access, services, and responsibilities. Decision times are often longer than full-property deals due to additional legal and valuation work.

Refinance-through-sale and leaseback, also described as debt retirement, focuses on restructuring existing lending using the sale proceeds. Eligibility depends on aligning the sale proceeds with the new investor and whether senior charges can be redeemed. Providers will also assess whether the new lease terms are acceptable and whether rental commitments can be met from normal trading. For around £900,000, timing can be influenced by discharge mechanics for existing mortgages or charges.