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Sale & Leaseback Finance

A sale and leaseback agreement can be a powerful way to boost your business’s cash flow without sacrificing essential equipment or vehicles. If you’re asset-rich but cash-poor, this solution allows you to sell an asset to a lender and immediately lease it back—keeping your business running smoothly while freeing up much-needed capital.

This option is particularly useful for covering pressing expenses like wages, tax obligations, or supplier payments all without interrupting operations.

How Does a Sale & Leaseback Work?

A sale and leaseback arrangement is straightforward:

Sell an asset – You sell a vehicle, piece of machinery, or equipment to one of our lenders.
Get a cash injection – You receive the funds upfront, giving your business a major boost in liquidity.
Lease it back – The lender leases the same asset back to you, allowing you to continue using it as if nothing has changed.

This provides immediate access to capital while retaining full operational use of the equipment your business depends on.

What Assets Can Be Used?

Almost any commercial equipment or vehicle with value can be included in a sale and leaseback, including:

Trucks & Buses
Heavy & Light Commercial Vehicles
Farm & Agricultural Machinery
Construction Equipment
Specialised Business Equipment & Machinery

Benefits of a Sale & Leaseback

Instant cash flow

Free up cash tied up in assets to meet urgent business needs.

Balance sheet relief

Improve your financial position by converting assets into liquid capital.

Flexible repayments

Spread the cost with manageable monthly lease payments.

No residual

Enjoy simple, predictable repayment terms.

Accessible to more businesses

Non-homeowners and those with less-than-perfect credit can still qualify.

Tax-deductible

Lease payments may be tax-deductible, offering additional financial benefits.

Why Use a Broker Like Natloans for Sale & Leaseback?

Navigating sale and leaseback arrangements can be complex. Working with a broker like Natloans ensures you get the right structure for your business’s needs:

Access to a wide panel of lenders: We work with a broad network, giving you more options and competitive deals.

Save time & effort: We manage the process from start to finish, liaising with lenders on your behalf.

Tailored solutions: We take the time to understand your business and structure the agreement to suit your cash flow needs.

Expert guidance: Our experience means we can help you avoid pitfalls and secure the best outcome.

Improved approval chances: We know lender criteria and can present your application in the best possible light.

What Are My Repayments?

See your estimated repayments weekly/fortnightly/monthly.

Ready For The Next Step?

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Frequently Asked Questions

Can I use multiple assets for a sale and leaseback? Yes. Businesses often use more than one piece of equipment or vehicle to generate a larger cash injection. What happens at the end of the lease? You may have the option to continue leasing, upgrade your equipment, or negotiate a buyback depending on your agreement. Is it available for businesses with bad credit?

Yes. Many lenders in our network work with businesses that don’t have perfect credit histories.

How long does the process take? Depending on the asset and lender, approval and funding can often be completed within a few days. https://www.natloans.com.au

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1300 955 791

Email Us

info@natloans.com.au

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0419 348 152

Visit Us

7/296 Bay Rd

Cheltenham VIC 3192

Natloans is part of the Natloans group of companies, proudly owned by Natloans Holdings Pty Ltd. All services delivered under the Natloans brand are provided by licensed entities within our group — and we’ll always confirm the relevant entity in your documentation for complete transparency.

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