Sale and Leaseback

Sale and leaseback finance allows a company to raise money from the sale of assets, whilst retaining use of them.

For example, if a company has recently purchased equipment, they may be able to get up to 100% of its value back in valuable cash.

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Sale and Leaseback Financing

If you’d like to raise money from the sale of assets, whilst retaining the use of them, consider an equity release solution like sale and leaseback funding.

Unlike with typical sales, a leaseback means you get paid whilst you continue to use the equipment. So, if you have purchased any equipment within the last 12 months, we can find lenders who can pay up to 100% of the goods invoice value into your account.

A leaseback is a smart way to free up capital from your assets while keeping them working for your business. 

If you want to see how sale and leaseback UK financing can help with growing your business, contact our friendly team.

FAQs About Sale and Leaseback

It’s quite simple! The finance provider purchases the asset at an agreed market value and pays the business a lump sum. The business then enters into a lease agreement, making regular payments to use the asset for a fixed period. At the end of the term, options may include continuing the lease, upgrading the asset, or returning it, depending on the agreement.

The main advantages of sale and leaseback include improved cash flow, immediate access to capital, and the ability to retain use of essential assets without taking out an unsecured loan. It can also support business growth or help manage short-term funding needs. However, disadvantages may include ongoing lease costs, losing ownership of the asset, and potentially paying more over time compared to owning the asset outright.

Asset finance is used to purchase new or used assets, with the finance secured against the asset itself. Asset refinance, on the other hand, allows a business to raise funds against assets it already owns, releasing capital tied up in them while spreading repayments over time.

Other products you may be interested in

We offer a range of business financing solutions to meet the needs of various industries. Backed with decades of banking and finance experience, our team works with thousands of companies throughout the UK. We help them optimise cashflow and achieve their goals through a range of business finance solutions, including:

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Equipment Leasing

Financing equipment for your business can often be a more cost-effective solution than making an outright purchase. Leasing allows you to conserve cash and other financial resources for future investments while still accessing the equipment and assets you need.

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Finance Leasing

With a finance lease, the lender owns the asset over the course of the agreement, but the maintenance, tax, and insurance responsibilities lie with you. It usually lasts for most of the asset’s lifespan, giving the lessee control and a stake in any value changes.

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Master Leasing

Want to cut down on paperwork? Then a master lease may be the solution. A master lease is an ongoing lease setup ideal for customers expecting multiple installations. It simplifies the process by requiring just one agreement and a single payment structure instead of multiple separate contracts and payments.

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Seasonal Leasing

Seasonal leases are tailored to the needs of companies with peak trading periods, allowing flexible payments based on cashflow. With a seasonal lease, businesses can make higher payments during busy months and lower ones when work is slower, ensuring affordability year-round.

Are you a Supplier looking for finance for your customers?

If you sell any form of equipment, machinery or commercial vehicles, why not offer point of sale finance to your customers? You can make supplier finance arrangements through any one of our group businesses, where local knowledge is backed by national support.