Complete this online form with details of your enquiry and one of our advisors will call you back.
The UK golf industry relies heavily on specialist contractors to deliver high-quality maintenance across greens, tees, fairways and rough. As clubs demand greater consistency, faster turnaround times, and more sustainable maintenance practices, groundcare contractors must continually invest in modern, reliable equipment.
In this case study, a grounds maintenance contractor specialising in the golf sector was experiencing strong demand but lacked the fleet capacity to take on additional contracts. Their existing machinery—while reliable—was already fully utilised across several courses. To grow further, they needed a larger range of equipment, including:
While expansion was essential, purchasing equipment outright would have placed too much strain on cash flow. The contractor required a funding structure that preserved working capital while enabling immediate growth.
They turned to Gable Business Finance — the UK’s leading specialist in golf industry finance.
Gable Business Finance stands apart from generalist brokers by working closely with golf clubs, course managers, and golf-sector contractors for over a decade. Their understanding of:
makes them uniquely placed to structure finance for groundcare businesses operating within the golf industry.
Because Gable works with a broad panel of lenders specialising in agricultural, turfcare and contractor equipment, they secure competitive rates, flexible terms, and tailored repayment strategies that suit real-world operational needs.
For contractors seeking to expand, modernise or strengthen their fleet, Gable offers clear advice, fast processing, and sector-specific expertise that general finance providers simply cannot match.
After reviewing the contractor’s growth ambitions and equipment requirements, Gable structured an asset finance package covering mowers, ATVs and a compact tractor. This allowed the business to add machines to their fleet without a large upfront payment.
With additional machinery and no major upfront capital strain, the contractor was able to scale quickly and efficiently.
Asset finance is a funding solution that allows businesses to acquire essential equipment—such as machinery, vehicles, technology or plant—without paying the full cost upfront. Instead, the business pays a regular monthly amount to use the asset over an agreed term.
It is commonly used in sectors such as:
Asset finance avoids the immediate financial burden of purchasing equipment outright, helping businesses grow sustainably while keeping cash flow available for day-to-day operations.
Asset finance offers several important advantages compared with traditional loans:
Businesses should always consider their full borrowing needs when comparing funding options—but for many golf-sector contractors, asset finance is the most efficient, flexible approach to equipment acquisition.
For more details, see our in-depth FAQs below.
Asset finance provides strategic value beyond simple affordability. By spreading the cost of equipment, businesses can:
Tax relief depends on current legislation and individual business circumstances; professional advice is recommended.
Yes. Contractors and golf clubs routinely use asset finance to acquire mowers, tractors, ATVs, sprayers, aeration equipment, and other turfcare machinery. It allows expansion without tying up funds.
With asset finance, the equipment itself secures the agreement, meaning no additional collateral is usually required. Payments are spread over the working life of the machinery, often making it more accessible and cost-efficient than traditional loans.
Almost any business-critical asset, including:
No — in fact, it protects it. Because there is no need for a large upfront payment, businesses retain capital for wages, overheads, fuel, and contract mobilisation.
Potential considerations include:
Asset finance helps you acquire new equipment with no large upfront cost.
Asset refinancing lets you unlock cash tied up in equipment you already own, using it as security for new lending.
Most contractors, groundcare firms, and golf clubs are eligible as long as they can show the ability to meet repayments. Start-ups and rapidly growing firms may also qualify depending on financial strength.
Compare lenders based on:
Most businesses choose a broker like Gable Business Finance to navigate options, avoid unsuitable agreements, and secure competitive rates.
With asset finance arranged by Gable, the golf groundcare contractor expanded its machinery fleet, increased capacity, and secured several long-term municipal contracts. By spreading costs and protecting cash flow, the business scaled efficiently and stayed competitive in a growing sector.
For contractors and golf clubs looking to modernise, expand, or replace ageing equipment, Gable Business Finance offers unmatched expertise and tailored financial solutions designed uniquely for the golf industry.
Speak with a golf finance specialist today to explore asset finance, refinance, or tailored funding packages for your business.