Sale & leaseback equipment finance.

Explore how an established business might release cash from equipment it already owns while continuing to use it.

COMMERCIAL FINANCE LOANS ✳

Planning a $1M+ commercial funding requirement?

Consider how this product fits your wider business plan, cash flow and other genuine finance needs. Product limits and approval criteria vary; the $250M upper range is for qualifying major transactions, not all products.

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EXPLAINED IN PLAIN ENGLISH

How this finance could work.

Sale-and-leaseback typically involves selling a business asset to a finance company and leasing it back. The business may receive cash while retaining access to the equipment under a new lease, subject to eligibility, valuation and the agreed terms.

Your assets may hold usable capital

A business owns a $300,000 manufacturing machine outright. Instead of selling and replacing it, it might explore selling the machine to a financier and leasing it back, receiving proceeds subject to a lender valuation and any fees.

You keep using the equipment

If approved, the business operates the equipment under a lease contract. Ownership, maintenance, end-of-term purchase rights and the accounting treatment depend on the arrangement.

Know what changes

Sale-and-leaseback creates a new payment obligation and may transfer legal ownership. Compare total payments, tax treatment, security, insurance and any residual or purchase option with professional advisers.

Not every asset will qualify

The lender may assess the equipment’s age, condition, ownership evidence, resale value, useful life and existing encumbrances. Funds released are not necessarily the full purchase price or market value.

PUT THE FUNDS TO WORK

What could your business do next?

Release capital from owned machinery
Use existing equipment to support expansion
Preserve operational access to vehicles or equipment
Free funds for a new business opportunity
Consider alternative asset-funding structures
Rebalance capital tied up in equipment

QUESTIONS ANSWERED

Before you enquire.

Practical answers about sale & leaseback equipment finance.

Can I access cash from equipment I already own?

Possibly, depending on the equipment, its value, ownership status and lender appetite.

Does the business keep using the machine?

That is the usual intention of a sale-and-leaseback, provided the lease is in place and obligations are met.

Can I do it with company vehicles?

Some lenders assess eligible commercial vehicles, but age, condition, valuation and existing finance affect the outcome.

Is sale-and-leaseback the same as a loan?

Not necessarily. It can involve a sale of the asset and a lease rather than a conventional term loan. Read the actual contract carefully.

How is the amount worked out?

The financier may use its own asset valuation, advance rate and fees. The available proceeds can differ from your original purchase price.

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