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Landscape and turf machinery are at the heart of every well-presented golf course, and Gable Asset Finance specialises in helping UK clubs acquire the equipment they need to deliver top-class playing conditions all year round.
From championship-level greens to manicured fairways, clean pathways and tidy woodland surrounds, modern golf courses depend on an extensive fleet of specialist machines. Precision reel mowers, compact tractors, aerators, utility vehicles, sprayers, robotic mowers, wood chippers and winter maintenance kit all play an essential role in day-to-day operations.
These machines are not optional extras — they are core assets that directly influence course presentation, member satisfaction, operational efficiency and long-term turf health. However, keeping a machinery fleet up to date can be expensive, especially when clubs are also investing in clubhouse improvements, irrigation, drainage and course development projects.
That’s where Gable Asset Finance comes in. We work exclusively with UK businesses and have extensive experience in the golf and turfcare sector. We help clubs spread the cost of machinery, preserve cash flow and structure payments around seasonal income, so you can run the course the way you want, with the equipment you need.
Every golf course is unique, but the core categories of landscape machinery are similar across the UK. Together, these machines support mowing, cultivation, transport, renovation, woodland management and winter operations.
Mowers are the most visible and heavily used machines on any golf course. They set the standard of presentation and dictate how the course plays.
High-quality bottom blades, cylinders and rotary blades are also essential consumables, and many clubs finance replacement cutting units as part of a machinery package.
Beyond mowing, a golf course’s long-term health depends on regular aeration, scarifying, spraying and topdressing. This is where specialised turf care machinery becomes critical.
Efficient movement of staff, tools and materials is crucial on a golf course. Utility vehicles and tractors keep daily operations running smoothly.
Golf courses are more than just turf. They often include woodland, water features, paths, car parks and roads that require their own maintenance solutions.
Gable Asset Finance works with a wide range of leading manufacturers and dealers. We can arrange finance for almost any piece of landscape equipment or golf course machinery, including:
If it supports the maintenance, operation or presentation of your golf course, chances are Gable Asset Finance can help you fund it.
Investing in high-quality landscape machinery is essential for maintaining a professional golf course — but it doesn’t need to place strain on club finances. Gable Asset Finance provides a full suite of flexible funding solutions that allow UK golf clubs to spread costs, preserve cash flow and upgrade equipment without the heavy upfront expenditure of an outright purchase.
Whether you’re financing a greens mower, compact tractor, sprayer, top dresser, UTV or a full fleet of machinery, our finance options are designed to support the exact needs of your club.
Asset finance enables your club to acquire new or used machinery while spreading the cost over an agreed period. This keeps cash reserves intact and avoids large lump-sum payments. The machine acts as the security for the agreement, making approval quicker and more straightforward.
This option allows your club to secure financing based on the value of the machinery being purchased. It is ideal for high-value equipment such as fairway mowers, sprayers, tractors, telehandlers and wheeled loaders. Asset-based lending offers competitive rates and structured terms tailored to the lifespan of the machinery.
If your club already owns turf machinery outright, you can refinance those assets to release tied-up capital. This creates an immediate injection of funds that can be used for upgrades, repairs or additional equipment purchases. Refinance is particularly useful when clubs need extra liquidity for course renovations, irrigation projects or seasonal work.
A traditional business loan provides flexible funds for equipment purchases, fleet upgrades or multi-machine investments. Loans may be secured or unsecured and offer predictable repayment schedules suited to budgeting and long-term planning.
Perfect for smaller purchases or where fast access to funding is required, unsecured loans do not require equipment as collateral. They provide flexible capital for clubs investing in accessories, attachments, irrigation parts, hand tools, smaller mowers and maintenance equipment.
Hire Purchase is one of the most popular methods for acquiring large landscape machinery. Your club spreads the cost over fixed monthly payments, and ownership transfers automatically at the end of the agreement. HP is ideal for long-life assets such as tractors, greens mowers, aerators, sprayers and utility vehicles.
Hire Purchase can also be structured with a balloon payment at the end of the term, reducing monthly costs during the agreement.
A Finance Lease provides use of the machinery for a fixed period while the leasing company retains ownership. At the end of the term, the club can choose to extend the lease, upgrade equipment, or return it.
Finance leases often feature lower monthly repayments compared to HP and can be treated as 100% tax-deductible rentals as a business expense (subject to eligibility and advice).
Contract Hire is an excellent choice for clubs that regularly update machinery or require predictable costs. It offers:
This structure allows clubs to pay only for the period during which the machinery is needed, avoiding long-term ownership costs and residual risk.
For clubs wanting flexibility, long-term hire or hire-to-buy options allow seasonal or extended use without the need for a large initial investment. At the end of the hire period, the club may choose to return the machine, extend the hire, or purchase it at a reduced cost.
Gable Asset Finance works closely with your club’s leadership, head greenkeeper and advisers to ensure every agreement is appropriate, competitive and transparent. We also recommend discussing finance decisions with your accountant or financial controller to make sure each option fits your tax position and long-term strategy.
Yes. We can finance both new and high-quality used machinery supplied by dealers or, in many cases, via private sales, subject to checks. Many clubs use a blend of new and used machines to maximise value.
We help clubs finance a full range of machinery, including mowers, tractors, UTVs, ATVs, sprayers, aerators, top dressers, wood chippers, winter maintenance kit, seeders, blowers, loaders and more.
Absolutely. Accessories such as mower cassettes, cutting units, attachments, trailers, forks and specialist implements can often be bundled into the same finance package.
Yes. Many golf clubs choose multi-asset agreements to fund a package of equipment — for example, a tractor, top dresser, aerator and sprayer — under a single contract with one monthly payment.
Yes. We understand golf income is seasonal. We can structure payments so they are lower in winter and higher in the peak months, aligning with your cash flow.
No. While a deposit can reduce monthly repayment amounts, there are options with low or even zero deposit depending on your club’s circumstances and credit profile.
Yes. If your club owns machinery outright, we can often refinance it to release capital back into the business. This can help fund renovation projects or new equipment without needing additional bank loans.
Once the final payment (and any option-to-purchase fee) is made, legal ownership of the asset passes to your club. You can then continue to use the equipment, trade it in or sell it as you choose.
With a Finance Lease, your club effectively rents the equipment and may have options at the end to continue renting or dispose of the asset via an agreed route. With Contract Hire (Operating Lease), you typically return the equipment at the end of the term, with lower monthly payments and, often, maintenance included.
In many cases, yes. Certain lease and contract hire arrangements can include scheduled servicing and maintenance, helping you keep costs predictable and machinery in peak condition.
No. We work with all types of clubs — from small 9-hole facilities to large multi-course venues and resort operations. Our finance solutions are tailored to the club, not just the asset value.
We work with FCA-regulated funders to process applications as quickly as possible, especially where equipment is needed urgently. Timescales vary, but decisions can often be made in a short time frame once we have the required information.
Yes. We can finance electric mowers, battery blowers, electric UTVs and other low-emission equipment, helping clubs transition to quieter, greener machinery.
Asset finance typically runs separately from your overdraft and other bank facilities, helping you preserve existing arrangements for working capital.
You must ensure appropriate insurance cover is in place for any financed assets. Your broker or insurer can assist with policies that reflect the value and usage of the equipment.
A busy parkland club needed a compact tractor and top dresser to improve fairway renovation and sand topdressing. Gable arranged a Hire Purchase agreement covering both machines under one contract. Seasonal payment structuring allowed lower payments in winter, helping the club manage budgets while still investing in course quality.
A 27-hole resort upgraded its greens mowers, fairway mowers and pedestrian mowers to a new brand. Gable created a multi-asset Finance Lease, enabling the club to modernise its fleet while keeping monthly costs manageable and retaining the ability to upgrade again at the end of the term.
A coastal course required additional John Deere Gators and a specialist UTV fitted with a sprayer and topdresser for tight pathways. Gable provided finance for multiple vehicles using a single asset finance facility, ensuring the club could meet operational demands without tying up capital.
A club wanted to reduce labour hours on large practice areas and adopted robotic mowers as a solution. Gable financed several units via a Hire Purchase plan, enabling the club to benefit from consistent automated mowing while investing human resource into higher-skill tasks.
During a multi-year bunker and pathway programme, a championship club needed a telehandler and a compact wheeled loader. Gable arranged asset-based lending for both machines, reflecting their strong residual values and providing competitive terms over the expected project lifespan.
A hillside course struggled with winter access and severe weather. Gable financed ATVs, quad bikes, a gritter and snow blade attachments through a combined asset finance package, improving access, safety and winter course availability.
An inland club wanted to tackle long-standing compaction and nutrition issues. Gable funded a Verti-Drain deep-tine aerator, a pedestrian aerator and a fertiliser spreader via Hire Purchase. This allowed the greenkeeping team to implement a modern agronomy programme without overloading the club’s capital budget.
A residential course near housing needed quieter, low-emission machinery. Gable financed electric UTVs, battery hedgecutters, blowers and trimmers. An operating lease gave the club the option to upgrade as battery technology advances, while maintaining predictable monthly costs.
A woodland-heavy club required a wood chipper, shredder and soil cultivation tools to manage tree lines and renovate rough areas. Gable structured asset finance covering all items, allowing the club to reduce contractor spend and take more work in-house.
A resort course expanded its corporate events and needed passenger transporters and additional golf carts for visiting groups. Gable arranged a Finance Lease for the full fleet, enabling the club to grow event revenue while matching vehicle costs to the income generated from hire fees.