Why UK Golf Clubs Choose Gable Business Finance

Modern golfers expect more than just a well-maintained course. They want high-quality clubhouse facilities,
comfortable social spaces, excellent food and beverage, and professional practice environments.
Meeting these expectations requires investment – and that’s where Gable Business Finance comes in.

• Specialist knowledge of the UK golf sector and its unique financial challenges
• Access to a wide panel of lenders familiar with golf, agriculture and commercial assets
• Flexible funding that aligns with seasonal cash flows and membership income
• Solutions tailored to Open Rota venues, Top 100 clubs, regional members clubs and local community courses

By partnering with Gable Business Finance, clubs can move confidently from concept to completion,
knowing they have a finance partner who understands the golf industry inside out.

Finance Options for Building, Redeveloping and Expanding Golf Clubhouses

Gable Business Finance offers a comprehensive suite of funding solutions for golf property and clubhouse projects
across the UK. These solutions are designed to provide the capital you need while ensuring your club’s
day-to-day operations remain stable and well-funded.

Asset Finance for Clubhouse Interior Fit-Out

A clubhouse’s interior plays a crucial role in member satisfaction and visitor perception. From the bar and restaurant
to locker rooms, lounge areas and pro shop, every element contributes to the club’s brand and revenue-generating potential.
Asset finance from Gable Business Finance allows you to complete a professional interior
fit-out without heavy upfront capital expenditure.

What Can Be Funded with Asset Finance?

Gable Business Finance can arrange funding for a wide range of clubhouse fit-out items, including:

Hospitality & Bar Areas

• Commercial kitchen equipment and catering appliances
• Bar counters, back-bar installations and cellar equipment
• Refrigeration and glasswashers
• Tables, chairs, banquettes and lounge furniture
• EPOS and payment systems for bar and restaurant operations

Member Facilities & Changing Areas

• Lockers and changing room furniture
• Benching, vanity units and storage
• Showers, washrooms and sanitary fixtures
• Spa and wellness equipment

Technology & Operational Infrastructure

• IT networks, servers and Wi-Fi infrastructure
• Security systems, including CCTV and access control
• Audio visual systems for events, functions and live sport
• Heating, ventilation and air conditioning (HVAC) systems
• Energy-efficient lighting and environmental controls

Interior Finishes & Soft Assets

• Flooring, carpets and tiling
• Wall coverings, plasterwork and internal decorations
• Partitions and bespoke joinery
• Branding, signage and interior design features

Types of Asset Finance Available Through Gable Business Finance

• Hire Purchase (HP) – Spread the cost of your fit-out over a fixed term with the aim of owning
  the assets at the end of the agreement.
• Finance Lease – Use the equipment over an agreed term with flexibility at the end of the lease.
• Operating Lease – Often suitable for equipment that needs updating regularly such as technology and AV.

Benefits of Asset Finance for Golf Clubhouses

• Preserves your club’s cash reserves for course maintenance and operations
• Allows full or phased refurbishments without large lump-sum payments
• Payments can often be aligned with seasonal income patterns
• Potentially tax-efficient structures, depending on the agreement
• Enables a higher specification of interior finish than might otherwise be affordable upfront

As specialists in Golf Industry Finance, Gable Business Finance can help you decide which
asset finance structure works best for your project and your club’s financial strategy.

Tailored Golf Club Finance Solutions for All Club Types

No two golf clubs are the same. Membership structures, income streams, ownership models and development ambitions
can vary widely. Gable Business Finance recognises this and delivers bespoke golf finance solutions for:

Open Rota & Top 100 Golf Clubs

Elite venues often need to deliver exceptional hospitality standards, world-class member experiences and
facilities that match international expectations. Gable Business Finance can assist with:

• Major clubhouse redevelopments and new buildings
• Expansion of hospitality, event and conference spaces
• High-end locker rooms, lounges and dining areas
• Performance centres, swing studios and technology-led practice facilities

Regional Members’ Clubs

Popular regional clubs may be looking to enhance their offering to compete with neighbouring facilities
and attract new members and society bookings. Gable Business Finance supports:

• Targeted refurbishments to bars, terraces and restaurant areas
• Upgraded locker rooms and washrooms
• Improved kitchen and catering infrastructure to increase event capacity
• Pro shop upgrades and swing studio installations

Local Community Golf Clubs

Community-focused clubs and smaller member-owned facilities often work with tighter budgets and need
finance that is highly sensitive to cash flow. Gable Business Finance provides:

• Affordable asset finance for essential refurbishments
• Funding for modest clubhouse extensions and repairs
• Support with business planning and lender presentations
• Access to lenders who understand smaller clubs and seasonal income patterns

Whether your goal is to host major events or better serve local members,
Gable Business Finance can tailor a funding package that fits your club’s reality today
and its ambitions for the future.

Case Studies – Tailored Golf Club Finance in Action

Case Study 1: Championship Venue Clubhouse Redevelopment

A renowned championship venue required a full clubhouse rebuild, including premium hospitality facilities
and a modern member’s lounge.

Gable Business Finance Solution:

• Structured a multi-million-pound property development facility with stage drawdowns
• Arranged complementary asset finance for kitchen equipment, furniture and AV systems
• Aligned repayments with the club’s strong event and membership income

Result: The club delivered a high-spec clubhouse without depleting reserves,
driving significant growth in event and corporate revenue.

Case Study 2: Top 100 Inland Club – Interior Transformation

This Top 100 inland club wanted to upgrade its bar, dining areas and locker rooms to match
the quality of its golf course.

Gable Business Finance Solution:

• £650k consolidated asset finance facility covering furniture, bars, AV and interior finishes
• Five-year term structured to preserve liquidity and manage cash flow seasonally
• Close collaboration with designers, suppliers and the club management team

Result: The club achieved a premium look and feel, increased member satisfaction
and attracted a waiting list for membership.

Case Study 3: Local Members’ Club – Small Extension, Big Impact

A small members’ club needed to extend its bar area and update its catering facilities to host
more functions and society days.

Gable Business Finance Solution:

• Commercial mortgage facility to fund a modest clubhouse extension
• Asset finance for new kitchen equipment, bar servery and furniture
• Repayment structure tailored around seasonal green fee and function income

Result: The club significantly increased event revenue and strengthened its financial position,
funding further course improvements.

FAQ – Asset Finance for Golf Clubhouse Fit-Out

Can we finance a complete clubhouse interior refurbishment?

Yes. Gable Business Finance can structure asset finance to cover virtually all elements of your clubhouse interior,
including kitchens, bars, furniture, AV systems and many soft assets such as flooring and décor.

Do we need multiple agreements for different suppliers?

No. Multiple suppliers can often be consolidated into a single facility, simplifying administration and
making the finance easier to manage.

Is a deposit required for asset finance?

Depending on your club’s circumstances, minimal or even zero deposit structures may be available.
Gable Business Finance will negotiate the most suitable terms with its panel of lenders.

What are the typical terms?

Asset finance terms for clubhouse fit-outs usually range from two to seven years,
chosen to reflect the expected life of the assets and your club’s cash flow.

Can we finance soft assets like carpets, painting and décor?

Yes. Many lenders now recognise the importance of these elements in hospitality environments,
and Gable Business Finance can often include them within your funding package.

Will this affect our ability to borrow for future projects?

Not necessarily. Well-structured finance can improve your cash flow and help demonstrate responsible
financial management, supporting future lending applications.

Can we include environmentally friendly upgrades?

Absolutely. Energy-efficient lighting, heating systems and other sustainable improvements can all be
incorporated into an asset finance package.

Summary – Comprehensive Golf Finance Solutions from Gable Business Finance

While clubhouse development and interior fit-outs are a major focus,
Gable Business Finance also supports a wide range of other essential golf and
grounds-related investments. Working with a trusted panel of lenders, we provide finance solutions
not only for the golf sector, but also for the agriculture and wider commercial markets.

Common Golf & Course Assets We Help Finance

• New & Used Machinery – Course maintenance equipment such as mowers, tractors, rollers and utility vehicles.
• Irrigation Systems – Full system installations, upgrades and replacements to keep your course in optimal condition.
• Golf Buggies – Individual buggies or complete fleets, including renewal and upgrade programmes.
• Club Developments – Clubhouse expansions, new buildings and on-course infrastructure.
• Swing Studios & Launch Monitors – Indoor performance areas, simulators and technology to enhance coaching and member engagement.
• Agricultural Machinery – Equipment for surrounding land and estates, benefiting clubs with larger landholdings.
• And Much More – Course furniture, locker rooms, practice facilities, clubhouse repairs and other key investments.

Gable Business Finance works with a panel of lenders to offer a diverse range of funding options
tailored to the Golf Sector.

If you are planning to build, redevelop or expand a golf clubhouse, or need finance for any key golf asset,
Gable Business Finance – experts in Golf Industry Finance – are ready to support your next step.

Talk to Gable Business Finance About Your Golf Clubhouse Project

Ready to explore finance options for your clubhouse build, redevelopment or interior fit-out?
Contact Gable Business Finance today to discuss a tailored funding solution.

Enquire now to speak with specialists in Golf Industry Finance and discover how we can help bring your
clubhouse vision to life while protecting your club’s cash flow.