Sale & Leaseback
Unlock cash from equipment you already own.
Major Features of Sale & Leaseback
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Fast Access to Funds
Get working capital without selling or stopping work
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No Property Required
The loan is backed by your gear — not your home
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Low-Doc Options
Some lenders only need bank statements and a valuation
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Flexible Terms
Lease terms up to 5 years, with options to own at the end
What is
Sale & Leaseback?
It lets you sell your equipment to a lender — then lease it back and keep using it.
You free up cash, stay operational, and don’t need property security.
See if this is for you:
- You own equipment outright and need capital
- You don’t want to sell core gear or use your home as security
- You need funds fast — without the loan runaround
What You Should Know About
Sale & Leaseback
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Assets must be unencumbered and used for business
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A physical valuation is required
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You don’t need property or a big balance sheet
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Some lenders offer fast approvals with minimal documentation
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How Does Sale & Leaseback Work?
Mark runs a fabrication business.
After upgrading his CNC machine, demand picked up — but he needed capital to
buy materials fast.
We arranged a Sale & Leaseback on the equipment he already owned — unlocking
$50,000 in working capital.
He kept the machine, secured the stock, and took on more jobs without draining cash flow.
Pros and Cons of Sale & Leaseback
Pros:
- Free up working capital without selling key assets
- Access longer terms than most unsecured options
- Often more affordable than cash flow loans
Cons:
- A formal valuation is required
- Borrowing amount is tied to asset value
How Much Can I Borrow?
Borrow up to 100% of the asset’s Orderly Liquidated Value (OLV) — what it would
sell for in a fair, time-limited sale.
Loan size depends on:
• The asset type and condition
• How long you’ve been in business
• The valuation outcome
FAQs
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Can I use older equipment?
Yes — many lenders accept well-maintained machinery, trucks, and trailers with resale value.
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What equipment is eligible?
Anything used in the business — utes, excavators, forklifts, CNC machines, agricultural and transport gear.
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How is the value calculated?
Based on an independent valuation — the “Orderly Liquidated Value” (OLV) of your asset.
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Will you organise the valuation?
Yes — we’ll coordinate everything with the lender’s nominated valuer.
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Are lease payments tax-deductible?
Often, yes — but check with your accountant to confirm based on your structure.
What Clients Say
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“These guys helped me purchase some vital equipment for my business. They were very knowledgeable and highly professional. I would have no hesitation in recommending them.”
The Green Lion
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“Sean was amazing to deal with, nothing was too much trouble and he responded to our queries very promptly. Will definitely be back to him as our business grows and our finance needs change.”
Chics That Renovate
Need to raise capital — without giving up your gear?
We’ll help you unlock funds tied up in equipment you already own.
