How long does settlement take?

Sale-back finance typically settles within one to two weeks end to end, faster than major bank refinancing but slower than a clean unsecured business loan. The main timing factor is the independent asset valuation. Once valuations are in and credit assessment is complete, settlement and disbursement follow quickly.

What are the tax implications?

There are two tax events. The sale of the asset is treated as a disposal, which can trigger a balancing adjustment depending on the sale price compared to the tax written-down value. The new finance arrangement starts a fresh tax stream with its own depreciation and interest deduction treatment. The combined outcome is usually broadly neutral, but the specifics depend on your business structure, the asset's history, and how the deal is documented. Always run any proposal past your accountant before signing.

Is this the same as equipment refinance?

Closely related but not identical. Equipment refinance moves an existing loan from one lender to another, usually for better rates or terms, without changing the cash position much. A sale-back arrangement involves the sale of the asset to a new lender and a fresh finance arrangement, typically releasing additional working capital in the process. It is the more aggressive cousin of straight equipment refinance.

How much can I raise this way?

With our lender panel, deals typically range from $10,000 to $1,000,000-plus depending on the asset mix, your trading history, and your credit position. Most applications we see fall between $50,000 and $500,000. The amount you can raise depends primarily on the independent valuation of the assets and the loan-to-value ratio the lender will advance, typically 60 to 80 percent of valuation.

Can I use this on equipment that still has an existing loan on it?

Yes, in many cases. The new lender pays out your existing financier and writes a new facility on the asset, often releasing additional cash on top of the refinance. This is one of the more powerful applications because it lets you refinance into better terms and extract working capital in the same transaction.

What is sale-back finance in simple terms?

It is a transaction where your business sells an asset it already owns to a finance provider, then immediately leases or finances it back. The legal title moves to the lender, but the physical asset stays in your business and you keep using it. The benefit is a lump sum of working capital released from gear you already owned. Also called sale and leaseback in some markets.

Sale-Back Finance | Release Capital From Equipment You Own

Sale-back finance releases working capital from the equipment that your business owns

If you’ve got trucks, plant or machinery paid off and sitting in the yard, that equity is doing nothing for the business. Sale-back finance converts that equity into working capital. You sell the asset to a lender, finance it back over a term that suits, and keep using the gear exactly as before. The business walks away with cash to deploy on growth, cash flow, ATO debt or refinancing other higher-cost facilities. Our brokers compare sale-back options across our panel and arrange a deal sized to the asset value and your business position.

This is one of the most underused capital plays in Australian small business. It’s faster than new lending because the lender has identifiable asset security, usually cheaper than unsecured working capital, and doesn’t require new director’s guarantees or property mortgages. Our service is free for you, we’re paid by the lender. If you want to fund the purchase of new gear rather than release equity in existing gear, see equipment loans instead, and if you’d rather a flexible facility to draw from, a business line of credit may suit better.

Release capital from fully-owned gear

Trucks, plant, machinery, equipment that's paid off can be sold to a lender and financed back, freeing up the equity as working capital.

Keep using the equipment

The asset stays in your business and keeps earning. Only the legal ownership and finance structure change. Your operations don't.

Faster than new lending

Because the lender has identifiable asset security from day one, decisions are typically quicker than chasing a new unsecured facility.

Sharper rates, less personal exposure

Identifiable security usually means better pricing than equivalent unsecured working capital, and often less reliance on director's guarantees or property security.

Use the cash for any business purpose

Growth, cash flow, ATO debt, consolidating higher-cost finance, taking on a bigger contract, restocking. Once the funds are with the business, it's yours to deploy.

No fees from us

Free for you to apply through our broker panel. We're paid by the lender when the deal settles.

Sale-Back Finance That Releases Capital From Equipment You Own

Sale-back finance releases working capital from the equipment that your business owns

Release capital from fully-owned gear

Keep using the equipment

Faster than new lending

Sharper rates, less personal exposure

Use the cash for any business purpose

No fees from us

Ready to release the cash from your gear?

Business Finance in 3 Steps

1. Tell us about your business

2. We assess and compare options

3. You decide how to proceed

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