Sometimes, a business may own valuable assets but still need additional cash to meet its immediate financial obligations, maintain operations or pursue new opportunities.
At M.I.S.S (Micro Investment Support Services Ltd.), our Sale & Leaseback Financing solution allows eligible businesses to unlock the value of assets they already own while continuing to use those assets in their day-to-day operations.
Instead of selling an asset and losing access to it, the client sells the eligible asset to M.I.S.S and leases it back under an agreed lease arrangement. This provides the business with access to funds while allowing it to continue using the asset for its operations.
How Sale & Leaseback Works
The process is straightforward:
1. Identify an Eligible Asset
The client identifies an existing asset that is owned by the business and is suitable for the facility.
2. Asset Assessment
M.I.S.S assesses the asset, its ownership documentation, condition, market value and suitability for the transaction.
3. Agree on Financing Terms
Following assessment and credit approval, the parties agree on the value of the transaction, lease tenor, rental structure and applicable charges.
4. Sale of the Asset
The approved asset is sold to M.I.S.S, providing the client with access to the agreed financing.
5. Lease Back to the Client
The client immediately leases the asset back from M.I.S.S and continues to use it for its business or operational activities.
6. Repayment
The client makes regular lease rentals according to the agreed repayment schedule.
Who Can Apply?
Sale & Leaseback Financing is primarily designed for businesses and organisations that own productive assets and require additional liquidity.
Potential applicants include:
• Registered companies and businesses
• SMEs
• Entrepreneurs
• Corporate organisations
• NGOs and institutions
• Established businesses with valuable productive assets
• Other eligible organisations with demonstrable repayment capacity
Applicants are subject to M.I.S.S’s credit assessment and approval process.
What Assets Can Be Considered?
Depending on the nature and condition of the asset, eligible assets may include:
• Vehicles and commercial fleets
• Heavy-duty and industrial equipment
• Manufacturing machinery
• Agricultural equipment
• Construction equipment
• Medical equipment
• Office and business equipment
• Other productive assets acceptable to M.I.S.S
The asset must be legally owned by the applicant, properly documented and meet M.I.S.S’s valuation and eligibility requirements.
Product Features
• Unlock cash from assets already owned by the client
• Client continues to use the asset after the sale
• Structured lease repayment over an agreed period
• Asset valuation conducted before approval
• Financing amount determined based on the assessed value of the asset and the client’s repayment capacity
• Applicable insurance cover on the leased asset
• Suitable for businesses seeking additional working capital
• Subject to credit assessment, documentation and approval
Product Benefits
1. Unlock the Value of Existing Assets
Turn part of the value tied up in your existing assets into accessible business funds without immediately giving up the use of those assets.
2. Maintain Business Operations
The business can continue using the asset after the sale, helping to minimise disruption to normal operations.
3. Improve Cash Flow
The facility can provide additional liquidity to help businesses manage working capital, operational expenses and other approved financial needs.
4. Support Business Growth
Funds released through the facility can help eligible businesses take advantage of new opportunities, expand operations or acquire additional productive assets.
5. Structured Repayment
Instead of making a large one-time repayment, the client repays through agreed lease rentals over the approved tenor.
6. Asset-Based Financing
The facility is structured around an existing productive asset, subject to valuation, ownership verification and M.I.S.S’s credit assessment.
Important Requirements
Before approval, M.I.S.S may assess:
• Proof of ownership of the asset
• Asset valuation and current market value
• Condition and age of the asset
• Existing encumbrances or outstanding financing on the asset
• Business performance and cash flow
• Applicant’s repayment capacity
• Intended use of the funds
• Insurance requirements
• Other relevant credit and documentation requirements
All ownership and asset documentation must be satisfactory before the transaction can be completed.
Insurance & Asset Protection
The leased asset may be required to have appropriate insurance coverage throughout the lease period.
Where comprehensive insurance is applicable, coverage will be subject to the terms, conditions, exclusions and requirements of the relevant insurance policy.
What Can the Funds Be Used For?
Subject to approval, funds obtained through a Sale & Leaseback facility may support legitimate business needs such as:
• Working capital
• Business expansion
• Purchase of additional equipment
• Inventory financing
• Operational expenses
• Business restructuring
• Other approved business purposes
M.I.S.S may monitor the use of the funds to ensure they are applied for the purpose stated in the application.
Who Is Sale & Leaseback Best For?
This facility is particularly suitable for businesses that:
• Own valuable productive assets
• Need additional liquidity
• Want to improve cash flow without stopping the use of their assets
• Have temporary working-capital requirements
• Want to unlock capital tied up in existing assets
• Need funds to support business expansion or operational needs
Why Choose M.I.S.S?
At M.I.S.S, we understand that an asset can be more than something your business owns—it can also be a source of financial strength.
Our Sale & Leaseback solution allows eligible businesses to unlock the value of assets they already own while continuing to use those assets to generate income.
Unlock the value. Keep using the asset. Keep your business moving.
With M.I.S.S Sale & Leaseback Financing, your existing assets can help provide the financial flexibility you need for your next business move.