Answers · Raising capital without debt
How can I raise capital for my business without taking on more debt?
Direct answer
If your business owns its premises, a sale and leaseback raises capital without adding debt: you sell the property to a long-term owner and lease it back, converting the equity into cash with no loan, no interest and no banking covenants. You keep operating from the same site on a long-term lease.
Debt has a cost beyond interest — covenants, personal guarantees, and a charge over your assets that constrains what you can do next. Raising capital from equity rather than debt avoids all of that. For a business that owns its premises, the property is usually the largest store of equity available to unlock.
A sale and leaseback releases that equity as cash without a single dollar of new borrowing. You sell to a permanent-hold investor, lease the building straight back, and reinvest the proceeds in the business — growth, plant, acquisitions, or simply paying down expensive existing debt. It's a way to strengthen the balance sheet rather than load it up, while staying exactly where you are.
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