Capital Library / 10 guides

Release capital from existing assets

Equipment, improvements and property already in use can be worth a fresh capital review. Begin with what the company owns and intends to keep, then compare any financing with leaving the assets funded as they are. The objective is useful liquidity on sensible terms, not the largest headline valuation.

The decision

Which retained assets could support a useful financing, and what would we give up?

A large balance-sheet number is a starting clue, not cash available to withdraw. Assets may be retired, landlord-owned, encumbered or near replacement. Reconcile the proposed pool before paying for broad diligence. Include existing debt payoffs and transaction costs in any net-liquidity estimate.

A good place to start

Start with the numbers

Why book value is not the amount you can finance

Understand what an accounting balance can and cannot establish. Keep asset evidence and proposed proceeds separate.

Compare a transaction

Equipment sale-leaseback: release capital without stopping operations

Examine equipment already in use, continued operating rights and the cash obligations created by a sale-leaseback.

Review leased premises

Can you finance tenant improvements you have already paid for?

Separate your retained improvements from landlord-funded work, then check ownership and remaining occupancy.

All guides in this topic

Can existing equipment and improvements release capital?

Assess completed equipment, tenant improvements and CapEx for financing, without confusing the balance-sheet total with available proceeds.

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Equipment sale-leaseback: release capital without stopping operations

How an equipment sale-leaseback works, what determines net proceeds, and which ownership, payment and end-of-term tradeoffs to compare.

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Can you finance tenant improvements you have already paid for?

Review completed build-outs, fixtures and equipment in leased space. Distinguish tenant-funded assets from landlord allowances before estimating liquidity.

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Owned-property sale-leaseback or a mortgage?

Compare selling and leasing back an operating property with a mortgage, including net liquidity, rent, control and the cost of future flexibility.

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Should you refinance assets originally funded with cash?

Test whether completed cash-funded assets should support liquidity now. Compare the value of released cash with new payments and restrictions.

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When should recurring equipment purchases become a financing program?

Assess fleet, technology and multi-site equipment programs: common terms, draw schedules, asset lives, reporting and early replacement needs.

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Can furniture, fixtures and equipment release working capital?

Review FF&E already in use, separate owned assets from landlord property and compare financing with leaving those assets funded by cash.

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How should you finance technology without outlasting it?

Compare technology equipment finance, vendor programs and cash funding against refresh cycles, software rights and end-of-term obligations.

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Why book value is not the amount you can finance

Keep gross cost, net book value, appraised value and proposed financing proceeds separate when reviewing equipment and leasehold improvements.

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What does a lease renewal change for TI financing?

Use a lease renewal to review retained improvements, new fitout costs, landlord allowances and the term available for asset financing.

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General decision guidance, not a financing offer. For a specific recommendation, start with your assets, obligations and business objective.

Start with one decision

What are you looking to finance?

Tell us about the asset or project, your objective and timing. Start with a short free Capital Options Preview. Any paid work is agreed before it begins.

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Summary context only. No confidential documents.