Sell it, lease it back, keep using it.
Sale and leaseback turns the equity locked in your owned assets into working capital. The cash arrives in days, you make fixed monthly payments, and the asset never leaves your premises.
At a glance
- Release 70–90% of asset value
- Cash typically in 5–10 working days
- Hard and soft assets considered
- Fixed monthly payments over 1–5 years
- Full use of the asset throughout
Broker
Independent
Timing
Case by case
Terms
Subject to review
From enquiry to business momentum.
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Sale and leaseback in detail.
If you own a high-value asset outright and need working capital, sale and leaseback lets you unlock that equity without losing access to the asset. You sell the item to the lender at an agreed valuation, receive the cash, and then lease it back under a finance lease or hire purchase agreement.
From day one you continue using the asset exactly as before — the only difference is you now have a fixed monthly payment and a lump sum of cash in the bank. The structure is particularly popular with businesses that bought assets outright during periods of strong cash flow and now need that capital for expansion, stock, or to manage a cash-flow gap.
Sale and leaseback works best with hard assets — commercial vehicles, plant, machinery, manufacturing equipment — that have strong residual values and clear secondary markets. We can typically release 70–90% of the lender's independent valuation.
Product terms
- Amount
- £5,000 – £500,000
- Term
- 12–60 months
- Deposit
- N/A
- Indicative rate may start at
- 7.2% flat / ~9.2% APR
Indicative — actual terms depend on credit, asset type/age and lender appetite.
Six situations where sale & leaseback is the right call.
Fund a tax bill or VAT spike
Release cash from owned kit to cover an unexpected HMRC liability without touching your overdraft.
Stock up for a big contract
Won the work but need raw materials? Sale and leaseback gives you the cash without new borrowing.
Expansion or acquisition
Use the equity in your fleet to fund a deposit on a new site, an acquisition or a hiring sprint.
Consolidate expensive debt
Replace higher-rate unsecured borrowing with a single, fixed monthly payment secured against an asset.
Recently bought outright
Bought an asset in the last 6 months and wish you'd financed it? We can usually arrange a payment back to you.
Bridging a balloon payment
Existing finance ending with a balloon? We can refinance the asset onto a new term.
Sale & leaseback, answered.
How does sale and leaseback actually work?
You sell the asset to the lender at an agreed valuation. The lender pays you that sum as a lump. You then lease the asset back under a finance lease or HP agreement, making fixed monthly payments. You keep full use of the asset throughout.
What's the difference between sale and leaseback and refinance?
In a sale and leaseback, legal ownership transfers to the lender. In a refinance, you keep title but the lender takes a charge over the asset. The cash effect is similar; the legal and tax treatment differs.
What assets qualify?
Hard assets work best — vehicles, plant, machinery, manufacturing equipment. Anything with a clear resale market and verifiable value. The more recently you bought it, the more you can typically release.
How much can I release?
Typically 70–90% of the lender's valuation for hard assets. Soft assets attract lower LTVs (up to 60%). We get indicative valuations back within 24 hours.
How quickly does the cash arrive?
Usually 5–10 working days from accepted offer, subject to title verification and standard underwriting.
Does it affect my existing finance?
Generally no — it's secured against the specific asset, not your wider business facilities.
Finance information
Any available proposal should explain the payment obligations, deposit, fees, interest or rental element, any final payment, total payable, security and relevant consequences before you decide whether to proceed. AssetFi does not publish an unsupported rate or repayment example as a general indication of what a customer will receive.
AssetFi is a trading style of Vernova Finance Ltd, an independent asset finance broker and not a lender. Commission disclosure.