Most businesses hold more capital than they realise - locked in equipment, property or equity already on the balance sheet. Loan-o helps you find the most effective way to put it to work.
If your business owns equipment, vehicles or plant outright, a sale and leaseback converts those assets into capital while you keep using them every day. The asset sells to a specialist funder, you receive the capital immediately, then lease it back.
If you own your premises, a property sale and leaseback can release the capital locked in that asset while you keep operating from the same site under a long-term lease. Property transactions are complex - independent legal and accounting advice is essential.
Buying or refinancing premises instead? See commercial property finance →
If your business holds assets under finance that's partly paid down, refinancing can release the equity built up - without a full sale. You access working capital while the asset stays in productive use.
For growth beyond what debt finance alone can support, equity capital means bringing in external investors in exchange for an ownership stake or structured return - private equity, mezzanine finance, family office capital or structured equity arrangements.
Important
Equity capital raising is not a credit product and sits outside standard finance broker activity. Loan-o's role in equity transactions is facilitation and introduction only. We do not provide financial advice, investment advice or corporate advisory services. Any equity transaction requires independent legal, accounting and corporate advisory support.
The common thread is capital that is needed now - but that is currently tied up in an asset or structure that doesn't allow the business to access it.
The process varies by solution type - but the starting point is always the same: understanding exactly what capital is needed, what it is for, and what assets or equity are available to work with.
We take the time to understand your capital requirement, intended use, asset base and existing financial structure. This shapes which solution - or combination of solutions - is most appropriate for your situation.
Unencumbered equipment suits sale and leaseback. Property equity may suit a property-backed approach. A business seeking growth capital without further debt may need an equity introduction. We identify the right structure before recommending any path.
We send a secure SMS upload link. Documents are uploaded directly from your phone - no email chains, no unnecessary back-and-forth, no sensitive documents sent through unsecured channels.
For debt and asset-based solutions, we submit to appropriate lenders from our panel. For equity transactions, we facilitate introductions to relevant capital providers from our network.
For credit-based solutions, we prepare a formal lender submission. For equity introductions, we help structure an initial information package aligned to what capital providers need to see to engage seriously.
Subject to assessment and due diligence by the relevant provider, your capital raising proceeds. Timelines vary significantly depending on solution type and transaction size - we give you a realistic view from the outset.
Sale and leaseback, refinancing and equity introductions all suit different situations. We build the full picture first - then match you to the solution that fits.
Every business has capital sitting somewhere on its balance sheet. Here's how the right structure can put it to work.
Capital sitting idle in owned equipment
Situation
A business owns its fleet and major equipment outright - but cash flow is tight and a growth opportunity has come up.
What's needed
Access to the capital tied up in those assets, without losing the ability to use them day to day.
How Loan-o helps
We arrange a sale and leaseback that releases the capital while the business keeps operating exactly as before.
Capital locked in owned premises
Situation
A business owns its premises outright, and most of its capital is tied up in that one asset.
What's needed
A way to release that capital without relocating or disrupting day-to-day operations.
How Loan-o helps
We connect the business with investors for a sale and leaseback, with independent legal and accounting advice built into the process.
Equity built up, but never accessed
Situation
A business has been paying down equipment finance for years and has built up significant equity - but has never looked at refinancing.
What's needed
A clear picture of how much equity is available and what refinancing would look like.
How Loan-o helps
We assess the existing facility and identify lenders that can release that equity as working capital.
Got a different question? Ask a specialist →
Sale and leaseback is a financing arrangement in which a business sells an asset it owns to a specialist funder, then enters a lease or hire purchase arrangement to continue using the asset in its operations. The business receives the sale proceeds as liquid capital immediately and makes regular payments to retain use of the asset. At the end of the term, the arrangement concludes or the asset returns to business ownership depending on the structure used.
Sale and leaseback typically refers to an operating lease structure where the asset is returned at the end of term. Sale and buyback typically refers to a finance lease or chattel mortgage structure where the business makes payments to own the asset back at the end. In practice these terms are used interchangeably in the Australian market. The right structure depends on your ownership objectives, tax position and cash flow preferences.
Equipment, vehicles, plant and machinery, and commercial property can potentially be used - subject to the funder's appetite for that asset class and the asset's current market value. Assets with strong secondary market demand and reliable valuations attract the broadest funder appetite and the best proceeds. Specialist or highly customised assets may attract more conservative valuations or limited appetite.
Yes, in some cases. A fully depreciated asset may still carry significant market value. However, selling a fully depreciated asset can trigger a tax liability on the difference between book value and sale price. Confirm the tax treatment with your accountant before proceeding - the after-tax capital position is what matters, not the gross proceeds.
Possibly. If the asset's current market value exceeds the outstanding balance on existing finance, there may be sufficient equity to structure a refinance and partial equity release. The net capital available after settling the existing facility is what matters. Loan-o assesses your position and gives you a clear picture of what is actually achievable before any formal submission.
Loan-o's role in equity capital raising is facilitation and introduction only. We connect eligible businesses with appropriate capital providers from our network and help frame the business opportunity for an initial conversation. We do not provide financial advice, investment advice or corporate advisory services. Any equity transaction requires independent legal, accounting and corporate advisory support.
Yes. A sale and leaseback typically removes the asset from the balance sheet and introduces a lease liability. It affects depreciation, cash flow reporting and potentially tax obligations depending on the asset type and structure. Confirm the accounting treatment with your accountant before proceeding - the impact on your financial statements should be understood in advance.
For equipment and vehicle-based arrangements, assessment and settlement can be completed relatively quickly once documents are in order. Property-based transactions take considerably longer due to valuation, legal and commercial lease processes. Equity transactions vary widely depending on transaction complexity and the due diligence requirements of the capital provider. We give you a realistic timeline at the first conversation - not a marketing estimate.
Whether you need to release capital from owned assets, refinance equity, or explore growth capital options, the first step is understanding what is actually achievable for your specific situation. No obligation, no cost.