FINANCE OPTIONS

^Sale and Leaseback - Get a Quote Now

Q: How much can I borrow with sale and leaseback?

You can typically borrow from £20,000 up to £10 million, depending on the type and value of the asset involved. The exact amount is determined following an independent valuation and lender risk assessment to ensure the funding matches your asset’s worth.

Q: What is the usual decision and funding timescale?

The process from application to funding generally takes between 1 and 4 weeks. Factors impacting timing include the complexity of the asset, how quickly documents are provided, and lender response times. Funds are usually released within 1 to 3 weeks after agreement completion.

Q: What rates and fees apply for sale and leaseback?

Interest rates for sale and leaseback finance typically range from 4% to 12% per year. The rate is influenced by your asset type, the market, and credit profile. You may also need to budget for valuation and arrangement fees in your planning.

Q: Are there different types of sale and leaseback?

Yes, the main types are property sale and leaseback, equipment sale and leaseback, and vehicle sale and leaseback. Each type is tailored to the asset being financed, with different eligibility requirements, typical amounts, and lending terms to suit business needs.

Sale and Leaseback is a financing method where a business sells an asset—like equipment or property—to a lender, then leases it back for continued use. This structure provides immediate access to capital while allowing the business to retain operational use of high-value assets. Sale and leaseback arrangements are often used by UK companies to unlock liquidity, improve cash flow, and support business growth, especially when assets are already in place and vital to ongoing operations.

Sale And Leaseback

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

Fastest and easiest application process
Dedicated support
Loan disbursed within 24 hours
No additional charges for early repayment

Apply Now

Key ^Benefits of Sale and Leaseback

Sale and Leaseback can be a strategic solution for businesses needing ready capital without sacrificing their asset base. UK SMEs benefit from fast access to funds, the ability to keep vital assets in use, and flexible lease terms that align with cash flow requirements. Costs and timings depend on asset class and business circumstances.

Improves cash flow

Retains property use

Enhances financial flexibility

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Sale and Leaseback

Property Sale and Leaseback

For firms owning commercial properties, this option releases tied-up equity for reinvestment while the business stays in its premises—ideal for stable property assets.

Property Sale and Leaseback

Businesses with offices, retail, or industrial sites can sell their property to a lender and lease it back, gaining capital typically between £100,000 and £10 million. Terms may range 60 to 240 months with interest rates between 4% and 7%. The process includes property valuation, due diligence, agreement finalisation, and transfer of funds, mainly supporting expansion or modernisation.

Equipment Sale and Leaseback

Unlock working capital from owned equipment such as vehicles, machinery, or technology, all while continuing business as usual.

Equipment Sale and Leaseback

Suitable for businesses with high-value machinery or technology, this route enables capital release from assets valued at £50,000 to £2 million. Terms run 36 to 84 months at 5% to 10% interest. The lender appraises the equipment, agrees a contract, and funds are released once leaseback terms are confirmed—helpful for managing cash flow or funding new purchases.

Vehicle Sale and Leaseback

Enables release of cash tied up in commercial vehicle fleets, supporting updates or easing cash flow without selling resources outright.

Vehicle Sale and Leaseback

Companies with sizeable fleets—such as logistics, taxi firms, or delivery services—can access from £20,000 to £1 million. Lease terms typically run 36 to 72 months with 6% to 12% annual rates. After vehicles are evaluated, capital is released and fleet operations can continue seamlessly while addressing immediate financial needs.

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 Secure Sale and Leaseback Funding

Assess Asset Value

Share details on the asset you want to release equity from using our online application form so we can start the valuation and assessment stage.

Review Offers

Evaluate curated lender offers that match your asset profile and business needs using Funding Agent’s market insight.

Complete Agreement

Finalise your agreement, release funds, and maintain use of your asset thanks to a structured sale and leaseback setup.

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 can I borrow with sale and leaseback?

What is the usual decision and funding timescale?

What rates and fees apply for sale and leaseback?

Are there different types of sale and leaseback?

DIVE DEEPER

June 24, 2025

We Like To Keep Things Simple

Match with

150+

Lenders

Loans from

£1000
to
£1m

Find all our resources

^Sale and Leaseback - Get a Quote Now

Key ^Benefits of Sale and Leaseback

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Sale and Leaseback

Property Sale and Leaseback

Property Sale and Leaseback

Equipment Sale and Leaseback

Equipment Sale and Leaseback

Vehicle Sale and Leaseback

Vehicle Sale and Leaseback

Typical Funding Journeys on Funding Agent