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Aeration is one of the most important cultural practices for maintaining healthy, high-performance golf greens. Over time, compaction, organic matter build-up, and rootzone restrictions can significantly reduce turf health, leading to softer surfaces, inconsistent ball roll, waterlogging, and increased disease pressure.
A private members’ club, known for its tight, firm greens and year-round play, recognised that its ageing aeration machinery was no longer delivering the precision and depth required. After reviewing supplier demonstrations, the club selected the Toro ProCore hollow-tine greens aerator—a market leader known for:
However, with winter approaching—and income significantly lower during the quieter months—the club needed a finance structure that protected cash flow while still enabling immediate acquisition.
Gable Business Finance designed a seasonal Hire Purchase agreement that allowed the club to make lower payments during winter, and higher payments during peak summer months when visitor revenue and membership activity increase.
Thanks to Gable’s customised finance solution, the club strengthened its agronomic programme without creating financial strain during low-revenue months.
A modern hollow-tine aerator supports essential turf management goals:
The Toro ProCore series is widely used across championship venues due to its precision, speed and durability—making it a perfect long-term investment for clubs committed to continuous course improvement.
Many private and member-owned clubs experience reduced income during the winter months. Gable understands these fluctuations and structures Hire Purchase agreements to reflect real-world trading conditions.
With a seasonal HP profile, the club benefited from:
This allowed the greenkeeping team to aerate more aggressively during autumn renovation season and early spring, setting the greens up for peak playing months.
The following section provides a detailed comparison of the asset-finance products frequently used by UK golf clubs, groundcare teams and golf businesses. Understanding the differences helps clubs select the most appropriate structure for their operational and financial strategy.
Hire Purchase is one of the most common funding options for golf clubs investing in long-life assets such as mowers, tractors, aerators or irrigation pumps.
HP is ideal for golf clubs planning to keep assets long-term and benefit from capital allowances.
Business Contract Hire is particularly suitable for buggies, utility vehicles or UTV fleets, where predictable running costs are essential.
The club never owns the vehicle but benefits from regular replacement cycles and minimal financial surprises.
A Chattel Loan allows the borrower to receive title to the asset immediately while using it as security for the finance agreement.
This solution is less common for golf clubs but can be useful for large-scale investments or mixed-asset purchases.
A lease allows the club to use equipment without purchasing outright. The finance provider buys the asset and rents it to the club over a fixed term.
Leasing is ideal when clubs prefer flexibility over ownership.
Residual Value (RV) Leases reduce monthly payments by forecasting a future value for the asset. The club only pays for the portion of the asset’s life it uses.
RV leasing suits clubs that favour lower monthly costs and regular renewal cycles.
Gable’s sector experts guide clubs through each of these questions to ensure the finance structure supports both short- and long-term objectives.
Hire Purchase is usually the best choice for clubs intending to keep assets for many years. It offers predictable payments and full ownership at the end of the term.
Residual Value Leases typically offer the lowest monthly rentals because the club pays only for part of the asset’s life.
Business Contract Hire is ideal for buggy fleets, utility vehicles, and transport assets. It offers fixed costs, maintenance options, and regular upgrades.
Yes. Gable specialises in seasonal HP and lease structures for golf clubs with variable revenue cycles.
It depends on your goals. Leasing offers flexibility, lower upfront cost, and no ownership risks. Owning offers long-term value and capital allowance benefits.
It depends on club structure. Private members’ clubs often have partial VAT restrictions, making lease-based agreements more attractive.
Nearly all golf-sector assets—including machinery, irrigation systems, buggies, workshop equipment, coaching technology and clubhouse tools—can be financed.
Yes. Gable’s team provides personalised, independent advice to ensure the chosen finance structure aligns with your club’s operational, financial, and long-term development goals.
To discuss asset finance solutions in detail, speak with one of Gable’s sector specialists. They will provide a tailored package designed around your club’s needs, cash-flow pattern and equipment requirements.