Sale & HP (Hire Purchase) or Lease Back is a smart way to release capital tied up in existing business assets. If you’ve recently purchased equipment outright using cash or existing finance you can sell it to a lender, who then finances it back to you under a hire-purchase or lease agreement. The purchase should usually be within 3 months based on the original invoice date, some lenders will accept purchases within 6 months.

This allows you to unlock cash from assets already in use, while continuing to benefit from them operationally. It’s a practical solution to boost working capital, support growth or improve liquidity without disruption to your day-to-day operations.