Unlock capital tied up in your existing assets.
If your business already owns unencumbered assets, a Sale & Leaseback arrangement allows you to sell those assets to a lender for a cash injection, while immediately leasing them back so your operations are not disrupted.
Key benefits
- Immediate injection of working capital
- No disruption to daily operations — keep using the equipment
- Fixed monthly repayments
- Capital can be used for expansion, M&A, or restructuring
- Potentially moves assets off your balance sheet
Who is it for?
Asset-rich businesses that need an injection of working capital for growth, acquisitions, restructuring, or bridging a cash flow gap.
How it works
We value your unencumbered equipment. The lender buys it from you at an agreed percentage of that value, giving you a lump sum. You then sign a lease agreement to rent the equipment back over a set term.
Frequently asked questions
Which assets qualify for sale & leaseback?
Most tangible business assets work — machinery, vehicles, plant, and equipment. The asset must be free of any existing finance charge.
How much of the asset's value will I receive?
Typically 70–90% of the current market or book value, depending on the asset type, age, and the lender's appetite.
Does the business lose the asset?
Legal ownership transfers to the lender, but you retain full use of the asset and continue using it exactly as before under the leaseback agreement.