Sale & Leaseback Finance Rates 2026 — Updated October 2026
- Typical sale and leaseback rates
- c.6.5%–10% APRTypical sale and leaseback rates
- Of asset value
- Up to 80%Of asset value
- Typical term
- 2–5 yearsTypical term
- Last updated
- October 2026Last updated
Sale and leaseback releases cash from equipment you already own: a funder buys it and leases it back. In October 2026 rates typically run 6.5%–10% APR depending on asset type, age and your trading history.
What sale and leaseback costs: worked example
- Monthly payment
- £3,906 a month
- Total repaid
- £187,491
£160,000 released over 48 months at 8% APR
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The figures above are indicative and describe the best case. Send your own scenario and we will come back the same working day with terms from the lenders that actually fit it.
- Enquiry type
- Asset Finance
- About
- Sale & Leaseback Rates
No upfront fees on loans over £1m.
Enough detail to price it is the amount, the security, the purpose and how you plan to repay. The rest we can fill in on a call.
Whole of market · 130+ lenders · FCA 814533 · Same working day response
Rate context and outlook
Bank Rate is 3.75% after the 17 September hold. Variable business facilities (revolving credit, invoice finance) move only with Bank Rate.
Fixed-rate hire purchase and leases are funded against swap rates, so some funders may nudge fixed pricing up after the September swap move. Quotes are typically held for 30 days.
Reviewed by David Doulton, Director, Doulton Bridging Finance — over 20 years in property finance. Last reviewed 1 October 2026. Doulton Money Ltd t/a Doulton Bridging Finance, FCA No. 814533.
Frequently asked questions
What assets qualify for sale and leaseback?
Vehicles, plant, machinery and equipment with a resale value, typically under 7–10 years old.
How much cash can I release?
Up to about 80% of the asset's value.
Do I keep using the asset?
Yes — you lease it back and keep it in daily use.
Can a new business get finance?
Yes, though many funders want 1–2 years of trading or a larger deposit; directors' personal credit matters more for young businesses.
Is VAT charged on hire purchase?
On HP, VAT is paid upfront with the deposit and can usually be reclaimed; on leases it is added to each rental.
What is a balloon payment?
A larger final payment that lowers the monthly cost; you pay it, refinance it or return the asset, depending on the product.
Do I need to put down a deposit?
Usually 0%–20%, depending on the asset, its age and your trading history.
Where this applies
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Independent whole-of-market advice · FCA No. 814533