Supporting the UK’s Top 100 Golf Clubs

The UK’s Top 100 clubs include world-renowned championship venues, historic links, prestigious inland courses,
and modern golfing destinations. Each has its own identity, architecture, and strategic priorities—but all share
a commitment to excellence.

From full clubhouse redevelopments to championship-level maintenance equipment, Gable Business Finance provides
the funding solutions required to support the highest standards in the industry.

Why Top 100 Golf Clubs Choose Gable Business Finance

Gable Business Finance understands the financial and operational pressures faced by top-tier golf clubs.
Our specialised knowledge enables us to structure flexible, high-value finance solutions that align with
membership income, hospitality revenue, and long-term capital programmes.

• Funding tailored to elite-level properties and major capital projects
• Access to lenders experienced in golf, leisure, and hospitality financing
• Flexible terms designed to protect liquidity and support growth
• Dedicated support for clubs with complex committee and management structures

With Gable Business Finance, Top 100 clubs benefit from a finance partner that understands the unique
expectations of premium venues.

Finance for Clubhouse Development at Top 100 Golf Clubs

Commercial Mortgages for High-End Redevelopments

Top 100 clubhouses must meet the expectations of members, visiting golfers, and national tournaments.
Commercial mortgages offer long-term funding for new builds, large refurbishments, and property acquisitions.

• Deposits typically around 25% of the project or property value
• Repayment terms up to 25 years
• Fixed or variable interest structures
• Supports luxury dining areas, modern locker rooms, lounges, and event spaces

Property Development Finance for Major Construction Projects

Many Top 100 clubs undertake multi-phase improvements such as hospitality extensions, coaching academies,
performance centres, or new outbuildings. Development finance provides the capital to move forward
without waiting for full reserves.

• Funding released in line with construction milestones
• Bridging loans for land or pre-construction preparation
• Mezzanine finance to reduce the club’s capital contribution
• Joint debt and equity for larger, ambitious redevelopments

Gable Business Finance works with designers, contractors, and club committees to structure finance
that integrates with operational needs and member expectations.

Asset Finance for Top 100 Golf Clubs

Top 100 clubs operate at an elevated standard, requiring continuous investment in course machinery,
clubhouse enhancements, and member amenities. Asset finance enables clubs to acquire
high-quality assets without disruptive upfront costs.

Gable Business Finance works with lenders offering hire purchase, finance leases, and operating leases
specifically suited to the needs of premium golf institutions.

Types of Assets That Can Be Financed

Course Maintenance Equipment

• Fairway, greens, and rough mowers
• Tractors, sprayers, and turf equipment
• Irrigation systems and pump stations
• Aerators, rollers, and top-dressing machinery

Clubhouse Improvements

• Restaurant and bar refurbishments
• Commercial kitchens and catering equipment
• Premium lounge and dining furniture
• Locker room upgrades and sanitary facilities
• IT systems, AV installations, EPOS, and security systems

Player Amenities

• Golf buggies and premium cart fleets
• Utility vehicles for estate and grounds operations

Strategic Development

• New practice facilities and coaching studios
• Launch monitors, simulators, and performance technology
• Drainage improvements and sustainable course upgrades
• New holes, routing improvements, and infrastructure expansion

Benefits for Top 100 Golf Clubs

• Improved Cash Flow: Large investments are spread over manageable terms.
• Enhanced Member & Visitor Experience: Enables timely upgrades to match expectations.
• Strategic Growth: Supports long-term capital planning and development programmes.
• Flexibility: Choose from hire purchase, finance lease, or operating lease structures.

Key Considerations When Seeking Finance

• Understand the Terms: Assess deposits, VAT treatment, and end-of-term conditions.
• Align with Financial Strategy: Ensure agreements fit long-term investment plans.
• Seek Specialist Support: Gable’s expertise provides continuity for changing committees.
• Evaluate Products Carefully: Choose the best structure for asset ownership and lifecycle.

Case Studies – Funding Excellence in the UK’s Top 100

Case Study 1: Clubhouse Transformation at a Leading Inland Course

A prestigious inland Top 100 club sought to modernise its clubhouse, improving hospitality and member facilities.

• Gable Business Finance secured a long-term commercial mortgage facility
• Asset finance used for interior furnishings, catering equipment, and AV technology
• Delivered a premium member environment without large upfront expenditure

Case Study 2: Machinery Fleet Renewal for Championship Conditioning

A Top 100 venue needed new turf equipment to maintain its ranking and attract elite tournaments.

• Hire purchase finance for greens, fairway, and rough mowers
• Flexible terms aligned with seasonal revenue and membership cycles
• Improved course conditioning and tournament readiness

Case Study 3: High-Tech Performance Centre Development

A club invested in a performance centre with cutting-edge training technology to support members and visiting golfers.

• Property development finance secured for construction
• Asset finance for simulators, launch monitors, and swing analysis systems
• Created a year-round revenue-generating amenity

Summary – Comprehensive Finance for Top 100 Golf Clubs

Alongside major clubhouse developments and course upgrades,
Gable Business Finance also helps Top 100 clubs acquire a wide range of essential assets:

• New & Used Course Machinery
• Irrigation Systems
• Golf Buggies & Utility Vehicles
• Clubhouse Furniture & Equipment
• Swing Studios, Launch Monitors & Coaching Technology
• Agricultural Equipment
• Course Furniture, Locker Rooms & Repairs

Working with a panel of specialist lenders, Gable Business Finance provides tailored funding for the golf,
agriculture, and commercial sectors. For Top 100 clubs, this includes strategic capital programmes, machinery
upgrades, hospitality redevelopment, and member-focused improvements.

With expertise in Golf Industry Finance, Gable Business Finance ensures that top-tier clubs have the financial
tools required to maintain their position among the UK’s elite golf destinations.

Speak to Gable Business Finance About Funding for Your Top 100 Club

Planning to upgrade your clubhouse, invest in course machinery, or develop new member amenities?
Contact Gable Business Finance today.

Partner with industry specialists and secure funding that supports excellence, sustainability, and long-term success.