Sale & Leaseback Finance
Release capital from assets your business owns by selling them to a finance company and leasing them back. Retain full operational use, receive immediate capital, and spread the cost over an agreed term.
The right structure for every sale & leaseback requirement
How Sale & Leaseback Works
You sell the asset to the finance company at current market value. The finance company leases it back to you at agreed monthly rental. At the end of the lease, you typically have the option to purchase the asset, extend the lease, or return it.
Construction Plant Sale-Leaseback
Cranes, excavators, piling rigs, and plant hire fleet. The most common category for sale and leaseback - specialist plant lenders move quickly on well-known assets.
Vehicle Fleet Sale-Leaseback
HGVs, artic trucks, tippers, and specialist vehicles. Transport businesses release capital from their fleet while retaining all vehicles in operation.
Agricultural Machinery Sale-Leaseback
Tractors, combines, and farm machinery. Seasonal leaseback structures align the payments with farm income patterns.
Industrial Equipment Sale-Leaseback
CNC machines, printing presses, laser cutting equipment, and food processing lines. Manufacturing businesses release capital for expansion while keeping production running.
Marine & Aviation Sale-Leaseback
Commercial vessels, yachts, and aircraft. High-value assets with specialist marine and aviation lenders who understand residual values in these markets.
How it works
Asset assessment
We assess the asset type, condition, and estimated market value. We advise on the expected capital release before approaching any lender.
Lender matching
We match the asset to the right specialist lender from our panel. Plant assets go to plant lenders; vehicles to CV lenders; agricultural assets to agricultural lenders.
Valuation
The lender instructs a desktop or physical valuation depending on the asset. This determines the final advance amount.
Capital released
Funds are released to your business. The asset is leased back under agreed terms. Your operations continue without interruption.
Ready to discuss Sale & Leaseback Finance?
Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.
Frequently asked questions
Is sale and leaseback recorded on my balance sheet?
Under IFRS 16, most sale and leaseback transactions are recognised on the lessee's balance sheet as a right-of-use asset and lease liability. The accounting treatment should be discussed with your accountant before proceeding.
Does the asset need to be free of existing finance?
Ideally yes - the asset should be owned outright or with minimal residual finance. We can arrange concurrent transactions where existing finance is cleared from the proceeds of the sale-leaseback.
Can I use sale and leaseback to raise a deposit for new equipment?
Yes - this is one of the most common uses. Selling an existing asset releases the capital needed for a deposit on new equipment, which is then financed through standard asset finance.
What is the difference between sale-leaseback and refinancing?
In a sale-leaseback, legal title to the asset is transferred to the finance company. In a refinance/second charge, the asset remains in your ownership and secures the finance facility. Both release capital - the right structure depends on the asset type and your specific situation.
Is sale and leaseback available for all asset types?
For any asset with a verifiable secondary market value. Assets with no secondary market or that are highly bespoke to your operation are harder to refinance through sale-leaseback.
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