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Modern golf course conditioning relies on a seamless combination of aeration and topdressing. Aeration relieves compaction and restores soil structure, while topdressing improves surface smoothness, firmness and playability. When these programmes operate together, clubs can deliver year-round turf consistency and improved member satisfaction.
A forward-thinking UK golf club sought to integrate its aeration and topdressing into a single, annual programme. The course team identified the need for:
Instead of financing each machine separately, the club approached Gable Business Finance to create a single structured plan covering both assets. The consolidated finance plan simplified budgeting, reduced administrative complexity, and aligned repayments with the club’s income profile.
By bundling both machines together, the club ensured long-term efficiency and a more structured, professional approach to course conditioning.
Golf clubs across the UK rely on a wide range of machinery, vehicles, irrigation systems, technology and clubhouse equipment. But purchasing everything outright is rarely practical. Asset Finance gives clubs a flexible and strategic way to invest in the equipment they need—without putting pressure on cash reserves or delaying essential upgrades.
Whether upgrading a single greens mower or overhauling an entire renovation fleet, Gable helps golf clubs:
Growth for a golf club often means enhancing course quality, improving infrastructure, or expanding services such as golf buggies, coaching facilities or irrigation systems. But large capital purchases—mowers, aerators, vehicles, pumps—can be costly.
Asset Finance allows clubs to scale up quickly through monthly repayments rather than paying for everything upfront. Whether improving greens performance, upgrading a machinery fleet, or installing new technology, clubs can invest without draining reserves or delaying other commitments.
Asset Finance enables golf clubs to fund the purchase of new equipment by paying a deposit followed by structured monthly repayments. Instead of using cash reserves to acquire machinery, the club borrows against the asset and repays over an agreed term.
This approach offers:
In a competitive market, having the right tools is essential for course presentation and member satisfaction. Asset Finance removes barriers to acquiring them.
These include both hard and soft assets across all areas of club operations:
Gable works with clubs to finance single assets or full renovation fleets like the example in this article.
Under HP, the lender buys the asset and the club hires it while making monthly payments. At the end of the term, the club may acquire the asset by paying a small purchase fee.
A Finance Lease provides long-term use of machinery without ownership. The club pays rentals for the primary period and may continue using the asset for a small annual fee afterwards.
Useful for utility vehicles, buggies, and maintenance fleet vehicles. The club leases the vehicle and returns it at the end of the term.
Helps clubs release cash from machinery they already own. Ideal for funding renovation projects, irrigation repairs, or new equipment purchases.
Supports investments in sustainable technology such as electric buggies, efficient pumps, solar systems or environmental improvements.
Yes. From small member clubs to championship venues, Asset Finance helps clubs access essential machinery without heavy upfront costs. Eligibility depends on affordability and the club’s trading status.
Modern machinery is expensive. Asset Finance protects cash flow, supports budgeting, and enables clubs to invest in better technology sooner.
Absolutely. Multi-asset bundles—like aerator + topdresser packages—are common. They simplify administration and create one predictable monthly cost.
It depends on the product. Hire Purchase leads to ownership, while Finance Leases and Operating Leases offer long-term use without owning the asset.
Interest and repayments may be deductible depending on the structure, and some assets may qualify for capital allowances. Clubs should always consult their accountant.
Lease structures allow upgrades during or at the end of terms, helping clubs stay aligned with modern turf-care technology.
Most run between 24 and 72 months, depending on machinery lifespan and budget preferences.
Yes. Many clubs restructure fleets, refinance old machinery, or use seasonal payment profiles during major renovation projects.
Yes. Gable is known for structuring agreements around golf club income cycles with lower winter payments and higher summer contributions.
Whether you’re financing a full aeration renovation package—or combining aerators and topdressers into a single strategic programme—Gable provides industry-leading guidance and tailored asset-finance solutions for UK golf clubs.
Contact Gable today to explore Hire Purchase, Leasing, Contract Hire, Refinance or Green Finance options for your club’s next upgrade.