19:09 13 October 2025
Sale-and-leaseback competing with bank offers in Poland to fund real estate
Sale-and-leaseback arrangements are gaining popularity in Poland as a flexible and low-risk alternative to bank loans for business financing. The model involves selling a property to an investor while signing a long-term lease to continue using it. This setup offers predictable costs, no hidden fees, and independence from restrictive banking covenants. Rental indexation is tied to inflation or a fixed 2% rate, ensuring cost stability. Experts stress the importance of choosing a reliable investor—ideally one using own capital rather than external financing, as this speeds up decisions and reduces risk.
Key factors include the investor’s experience, transparency, sector specialization, and ability to support long-term partnerships and future financing rounds.
