Sale and Leaseback

Sale and Leaseback, Sale and Hire Purchase Back or Equipment Re-finance

Businesses looking to raise cash generally fall into two categories: they either want to expand quicker than their existing sources of finance allow, or they are getting into difficulties and need to raise cash to re-structure the business.

The fact that a business is making losses is no bar to raising finance. Businesses in a Phoenix or CVA will clearly not have a good set of accounts. The decision to lend is primarily based on the value of the equipment supported by directors guarantee's.

You can borrow from £30,000 to £5m over periods of 1 - 7 years and we cover the whole of the UK including Northern Ireland.

Types of Lending

Sale and Leaseback, Sale and Hire Purchase Back or Equipment Re-finance; it does not matter which label you use.

They are all ways of allowing a business to Re-Finance assets it already owns, including assets that are still on finance to release cash for further investment.

What Can it be Used for

Finance is usually required for:-

  • Business expansion
  • An injection of additional cash flow
  • The securing of a much larger order than normal
  • Move to new premises
  • Deposit on new machinery
  • Purchase of new machine tooling
  • Research and development costs
  • Buy out another shareholder

Alternatively finance can be used to cover:-

  • A bad debt
  • Clear arrears of Vat and Paye
  • Restructure existing borrowings
  • A Phoenix and re-start of a business
  • Re-finance businesses in either an IVA or CVA
  • Secondary financing of MBO/MBI

The list is endless.

Capital Raising for MBO/MBI

It is becoming increasingly more attractive to finance a management buy out or buy in using a businesses existing assets and in so doing avoid the venture capital route (or should that be "vulture" capitalist) This way the management gets to keep 100% of the business.

By coupling the re-finance of a company's assets with a factoring/invoice discounting facility and a commercial mortgage, we are often able to provide all the funding a buy out team needs.

Where a funding gap does remain, we can help further through our large network of business angels.

What can be Financed?

Most types of machinery or vehicle used in the following industries:-

  • Printing
  • Engineering
  • Paper & Packaging
  • Aerospace
  • Plastics
  • Bottling
  • Textile
  • Food
  • Telecomms
  • Transport
  • Agricultural
  • Medical & Dental
  • Catering
  • Waste
  • Construction
  • Quarrying
  • Mailing
  • Contractors Plant

Vehicles include: - Buses, Coaches, HGV's, Vans, Cars, Trailers, etc.


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Our Partners

Bibby Financial Services
Skipton Business Finance
Metro Bank
Close Brothers Invoice Finance
Ultimate Finance Group
Ashley Business Finance
Shawbrook Business Credit
Factor 21
Working Capital Partners
Catalyst Finance
Market Invoice
Platform Black