Why owners choose leaseback
It can release far more cash than a loan and removes debt from the balance sheet. For businesses that need capital now and do not see property ownership as core, it can be transformative.
Secured loan vs Sale and leaseback
Both release cash tied up in assets you already own. A secured loan keeps ownership and adds debt. Sale and leaseback sells the asset and rents it back, turning equity into cash immediately.
| Criterion | Secured loan | Sale and leaseback |
|---|---|---|
| Ownership | You keep it | Passes to the buyer |
| Cash released | Typically 50% to 75% of value | Up to full market value |
| Ongoing cost | Interest and capital repayments | Rent for the lease term |
| Future growth in value | Stays with you | Goes to the buyer |
It can release far more cash than a loan and removes debt from the balance sheet. For businesses that need capital now and do not see property ownership as core, it can be transformative.
A loan keeps the asset and any future appreciation in your hands. Once the loan is repaid, the asset is yours outright, while a lease runs on and rent typically rises over time.
Choose a secured loan if you want to keep long term value. Choose sale and leaseback when the cash released matters more than ownership.
Yes. It is common for vehicles, machinery and plant with a clear resale value.
Yes, and getting a long term with sensible rent reviews is one of the most important parts of the deal.
Not sure which route fits? Describe the requirement once and we will structure it and approach the providers whose criteria match. No upfront fees — charges are due only once funding is in place.
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