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As golf clubs modernise their maintenance practices, aeration has become one of the most important agronomic operations. A single aerator is rarely enough—clubs now rely on multiple aeration methods to manage compaction, improve infiltration, enhance root depth, and condition turf for year-round play.
A leading UK golf club undertaking a major renovation programme needed to overhaul its entire aeration capability. The club planned to invest in:
Rather than arranging three separate finance agreements—with different terms, rates, admin fees and renewal dates—the club worked with Gable Business Finance to create one consolidated package. This simplified budgeting, streamlined documentation, and allowed the club to acquire all three units simultaneously, avoiding disruption to its renovation schedule.
The club immediately benefitted from:
By bundling machinery into one finance agreement, Gable ensured the club could deliver its full renovation plan without compromising cash flow or delaying essential purchases.
Every golf club relies on a wide range of assets to operate—machinery, irrigation systems, buggies, vehicles, IT systems, clubhouse equipment and more. Not all assets carry equal financial weight. Replacing a kettle in the clubhouse is very different from investing in a new greens mower or a fleet of utility vehicles.
Asset finance bridges this gap, allowing clubs to acquire the tools and machinery they need without large upfront expenditure.
Asset finance is a funding method that enables golf clubs to obtain essential equipment—such as mowers, aerators, irrigation components and vehicles—by spreading the cost over a fixed repayment term.
It works similarly to a mortgage in structure:
This allows clubs to:
Golf clubs face a unique dilemma: high-value equipment is essential for delivering course quality, but these assets often exceed what clubs can comfortably pay upfront.
Asset finance resolves this challenge by:
Without asset finance, many clubs would struggle to upgrade machinery, delaying essential maintenance improvements.
In the golf sector, asset types fall into three key categories:
Hard assets tend to hold value and are easiest to finance, but Gable offers solutions across all categories depending on the club’s needs.
Hire Purchase is the most common form of asset finance in the golf industry, especially for long-life machinery.
This structure suits clubs planning to keep machinery for many years.
A Finance Lease allows clubs to use machinery without owning it.
Great for clubs looking to upgrade equipment every few years.
Operating Leases function more like renting than owning. The club pays only for the portion of the asset’s life it uses.
This option suits clubs that want predictable costs and frequent machinery updates.
Asset Refinance unlocks equity from machinery the club already owns, similar to remortgaging a property.
This helps clubs fund renovations, irrigation projects or new equipment purchases without reducing operational capacity.
Most golf machinery is high-value and essential for course performance. Asset finance prevents large cash outflows, enabling clubs to invest in better equipment sooner while keeping reserves intact for staffing, irrigation upgrades, or clubhouse improvements.
Yes. Gable frequently structures multi-asset bundles, allowing clubs to finance several machines together under one agreement, simplifying budgeting and administration.
Yes. The asset itself acts as security. This avoids tying up additional collateral and keeps other credit lines free.
| Asset Finance | Traditional Business Loan |
| Secured against the asset | Secured against business creditworthiness |
| Funds specific machinery purchases | Funds can be used for any business purpose |
| Fixed terms & fixed interest | Longer terms, variable structures |
| Ideal for equipment upgrades | More suited to broader investment |
Yes. While lenders prefer hard assets, many finance packages include IT upgrades, AV systems, clubhouse equipment, and other soft assets when bundled with machinery.
Asset finance terms usually run from 12 to 84 months, depending on the asset type and expected working life.
Yes. HP agreements may qualify for capital allowances, and interest may be deductible. Finance leases may allow rental payments to be offset as operating expenses.*
*Always seek specialist tax guidance tailored to your club’s structure.
Absolutely. Refinance is common for irrigation repairs, bunker projects, fleet upgrades and seasonal cash-flow support.
Yes. Gable specialises in seasonal payment plans that reflect reduced winter revenue and higher summer income.
Whether you’re acquiring a complete aeration renovation package, replacing ageing mowers, or financing a major course development, Gable provides tailored solutions designed specifically for UK golf clubs.
Contact Gable today to explore Hire Purchase, Lease, Operating Lease or Refinance options built around your club’s ongoing operational needs.