Sell with Buy Back

The Sell with Buy-Back Option is a financial and legal arrangement in which the seller transfers ownership of an asset to the buyer, while retaining the contractual right to repurchase that same asset within a predetermined period and at an agreed price.

Sellback specializes in this model, enabling clients to monetize their illiquid assets - converting them into liquid capital, that is, immediate cash.

Illiquid assets can take various forms, generally classified as movable or immovable property.

• Movable illiquid assets refer to valuable items that do not generate regular financial returns for their owner - for example, gold, fine jewelry, luxury watches, art, collectibles, vehicles, or boats.
• Immovable illiquid assets typically include real estate that is not currently being used to create financial value for its owner, such as unused office space, residential property, or undeveloped land.

This model allows clients to unlock the value of their assets without permanently losing ownership, providing a secure and transparent way to access liquidity while maintaining the right to repurchase their property under clearly defined contractual terms.

Sometimes an asset holds not only significant material value, but also personal or emotional importance. A watch, a piece of art, or a property may carry special meaning that the owner wishes to retain.

At the same time, there may arise a temporary need for liquidity - a situation where quick access to cash is necessary, but a permanent sale of the asset is not desirable.

In such cases, the Sell with Buy-Back Option provides a balanced and flexible solution:
it allows you to unlock the value of your asset and obtain immediate financial liquidity, while preserving the right to repurchase and regain ownership under predefined and transparent contractual terms.

This model combines the benefits of fast capital access with long-term control over your valuable possessions.

The main limitation of the Sell with Buy-Back Option model arises when liquidity is required over a longer period of time.
This financial arrangement typically includes a contractual clause with a shorter maturity term, most often between two and six months. While the term can be extended, it is designed primarily for short- to mid-term liquidity needs.

In other words, the Sell with Buy-Back model may not be suitable for clients seeking long-term financing or liquidity solutions.

Additionally, because the buy-back option requires Sellback to reserve the asset for a defined period, the offered purchase price is generally lower than in the case of a traditional direct sale.
This ensures that Sellback can effectively manage risk while maintaining the client’s right to repurchase the asset under pre-agreed contractual conditions.

The Sell with Buy-Back Option is designed to be a fast and efficient service, with most transactions arranged and approved within one hour.

For certain asset types - such as automobiles, fine art, antiques, or real estate - an additional professional valuation may be required.
In such cases, the assessment process typically takes between 24 and 72 hours, depending on the complexity and market specifics of the asset.

This ensures that each transaction is handled with accuracy, transparency, and efficiency while maintaining the speed and flexibility Sellback is known for.

Yes, you can.
If you have chosen the Sell with Buy-Back Option and wish to repurchase your asset before the agreed contractual term expires, this model fully allows for early redemption under the same transparent terms defined in your agreement.

The flexibility to buy back your asset at any time during the contractual period is one of the key advantages of the Sellback model, providing clients with both liquidity and control over their valuable assets.

The Sell with Buy-Back Option agreement is typically established for a fixed term, most commonly ranging from two to six months.

However, if you find that you are unable to exercise your buy-back option within the agreed period, you can contact us with confidence.
Sellback will carefully review your situation and evaluate all available options to find a mutually beneficial solution that meets the needs of both contractual parties.

This flexibility is part of Sellback’s client-oriented approach - ensuring that your assets and agreements remain secure, transparent, and manageable.

Yes. When signing a Sell with Buy-Back Option agreement in Croatia, you are required to verify two things:
your identity and, in certain cases, proof of ownership of the asset being sold.

To confirm your identity, you can use a valid government-issued ID, such as a national identity card or passport.
This process ensures compliance with local regulations and guarantees that every transaction is carried out transparently and securely.

Yes. Sellback operates in full compliance with the Croatian Trade Act (Zakon o trgovini, Narodne novine No. 11/96 and subsequent amendments published in Narodne novine 101/98, 30/99, 75/99, 76/99, 62/01, 109/01, 149/03*), as well as the Civil Obligations Act (Zakon o obveznim odnosima, Narodne novine No. 155/03 and its subsequent amendments published in Narodne novine 35/05, 41/08, 125/11, 78/15, 29/18, 126/21, 114/22, 156/22, 155/23*).

All transactions are conducted transparently, under the framework of Croatian legislation, ensuring that every client agreement is legally valid and compliant with national and EU regulatory standards.

Absolutely. You can rely entirely on our discretion.
Confidentiality, integrity, and trust are fundamental principles of our business philosophy.

We deeply value the confidence our clients place in us when entrusting their valuable assets and engaging in our services. Every transaction is handled with the highest level of professionalism, privacy, and respect for client confidentiality.

Together with the invoice for your asset sale, you will receive your own copy of the Sell with Buy-Back Agreement, both in printed and digital form.

If your copy is misplaced, there is no need to worry - all issued invoices and agreements are securely archived within our system and can be retrieved upon request at any time.

This ensures full traceability, transparency, and access to all your documentation whenever needed.