Sale and leaseback
Sell equipment or premises you own to a financier and lease them back. Typical amount: based on the value of machinery or premises you own (lease payments; total cost above a secured bank loan).
Facts last verified 23.7.2026
Sell equipment or premises you own to a financier and lease them back. Frees the capital tied up in assets without interrupting their use. A balance-sheet lever for when cash is worth more than ownership.
Key facts
- Provider: Banks & finance companies
- Type: Credit line
- Typical amount: based on the value of machinery or premises you own
- Rate / terms: lease payments; total cost above a secured bank loan
- Legal basis: Market terms
- Who it is for: Micro to large companies · working capital
How to apply
There is no application form here — this is a negotiation. Banks assess repayment ability and collateral: bring up-to-date financials, a cash-flow forecast, and a clear use of funds. Investors assess the growth story: bring evidence of traction and a defensible view of the market.
Competition works in your favour. Terms for loans, leasing, factoring and investment vary widely between providers, and a second offer is the strongest negotiating tool there is.
Public instruments often stack with market financing — a Finnvera guarantee can turn a bank's no into a yes, and a grant-funded project makes the investor case stronger.
Frequently asked questions
How much funding does Sale and leaseback provide?
Typical amount: based on the value of machinery or premises you own. Support level / terms: lease payments; total cost above a secured bank loan.
Who can apply for Sale and leaseback?
Provider: Banks & finance companies. Company size: micro, small, medium, midcap, large. Typical use: working capital.
On what legal basis is Sale and leaseback granted?
Market terms.
Indicative screening information, not advice. Amounts and rules change, so confirm the current terms and eligibility with the provider before you rely on them.
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