Contractors and landscaping professionals are at the heart of the UK’s outdoor environment, maintaining private gardens, commercial landscapes, housing developments, public parks, estates and civic spaces. Their work is diverse, seasonal and highly equipment-dependent, relying on everything from mowers and compact tractors to UTVs, trailers and powered hand tools.
Buying this machinery outright can place huge pressure on cash flow. That’s why so many leading firms turn to
Gable Business Finance for tailored groundcare vehicle and equipment funding. Gable helps landscaping and grounds businesses
upgrade fleets, add new machines, and stay competitive – without large upfront costs.
Why Landscaping Contractors Rely on Groundcare Equipment Finance
The Contractors & Landscaping Professionals sector covers a broad range of services – from general garden maintenance to large-scale commercial grounds projects. On any given day, a contractor may be mowing lawns, building patios, installing planting schemes, clearing overgrowth, or preparing turf for a new development.
To deliver this effectively, most teams depend on a wide range of machinery, including:
- Ride-on and pedestrian mowers
- UTVs and pickup vehicles for transporting staff and tools
- Compact tractors with mounted and towed attachments
- Hedge cutters, blowers, saws and brushcutters
- Plant trailers, tippers, loaders and lifting machinery
Instead of tying up capital in equipment purchases, contractors use finance to:
- Grow their service offering and win larger contracts
- Replace ageing or unreliable machinery
- Add specialist tools for higher-value work (e.g. turf renovation, clearance)
- Stabilise cash flow across busy and quiet periods
- Align equipment costs with contract income
Gable Business Finance works closely with UK contractors and landscapers to build finance plans that reflect how they actually work – seasonal peaks, varied job sizes and long-term maintenance contracts.
Typical Activities in the Landscaping & Grounds Sector
Garden & Grounds Maintenance
Many contractors provide regular maintenance services such as:
- Grass cutting and strimming
- Pruning and hedge cutting
- Weeding, mulching and bed maintenance
- Fertilising and soil conditioning
- Leaf clearance and seasonal tidy-ups
Hardscaping
Landscaping professionals often install and maintain:
- Patios, paths and paved areas
- Decking and outdoor seating areas
- Retaining walls and raised beds
- Driveways and access routes
Softscaping & Planting
This includes:
- Tree, shrub and hedge planting
- Creating borders, beds and display areas
- Laying and maintaining turf
- Installing wildflower and biodiversity areas
Pest & Disease Management
Many contractors also provide:
- Pest and disease identification
- Targeted treatments using sprayers
- Cultural and biological control methods
Related Professional Roles
The wider industry also includes:
- Landscape architects – designing and master-planning outdoor environments
- Arborists / arboriculturists – specialising in tree care and safety
- Landscape supervisors – managing teams and project delivery
- Horticulturalists – growing, selecting and maintaining plants
Across all of these roles, the common thread is a reliance on reliable, fit-for-purpose machinery. This is where
Gable Business Finance adds value – by providing the funding structure that keeps contractors equipped and operational.
Essential Groundcare Vehicles & Equipment Contractors Finance
Ride-On & Pedestrian Mowers
From small domestic lawns to large commercial sites and estates, mowers are a core asset for landscapers. Gable finances:
- Ride-on and zero-turn mowers
- Pedestrian rotary and cylinder machines
- Flail mowers for rough grass and banks
- Mulching and collecting mowers
Compact Tractors & Attachments
Compact tractors are extremely versatile and commonly used for:
- Mowing with mid or rear decks
- Towing trailers and plant equipment
- Soil preparation with harrows and rotovators
- Winter maintenance with snow blades and gritters
UTVs & Transport Vehicles
UTVs and small vehicles help landscaping teams move people, tools and materials efficiently. Gable funds:
- Utility vehicles for estates, schools and business parks
- Compact 4x4s and pickups for mobile teams
- Electric UTVs for noise- or emission-sensitive sites
Powered Tools & Handheld Equipment
Essential for day-to-day work:
- Hedge cutters and long-reach trimmers
- Blowers and vacuums for leaf and debris clearance
- Chainsaws and pole saws for arb-related tasks
- Brushcutters and strimmers for rough ground
Trailers, Loaders & Lifting Machines
For larger projects or commercial contracts, contractors invest in:
- Plant trailers and tipping trailers
- Mini loaders and skid steers
- Micro-diggers for small access excavation work
Gable Business Finance can fund individual items or bundle multiple pieces of equipment into a single, manageable agreement.
Finance Solutions from Gable Business Finance
Hire Purchase (HP)
Hire Purchase is a popular option for contractors who want to own their machinery outright at the end of the term.
- Fixed monthly repayments over an agreed period
- Ownership transfers after the final payment
- Ideal for long-life assets such as tractors, mowers and UTVs
Finance Lease
Finance Lease allows contractors to use equipment for an agreed term, with flexibility at the end of the lease.
- Rental-style payments with no large initial outlay
- VAT is usually spread across repayments
- Option to continue leasing, upgrade or dispose via a third party (subject to structure)
Operating Lease / Contract Hire
Operating Lease or Contract Hire is ideal for rapidly advancing equipment or when regular renewal is expected.
- Lower monthly payments than HP in many cases
- Equipment is returned or replaced at the end of the term
- Often chosen for UTV fleets, high-tech mowers and seasonal kit
Asset Refinance
Contractors who already own machinery can refinance assets to release capital for growth, emergencies or new projects.
- Unlock equity tied up in existing machines
- Consolidate multiple liabilities into a single, manageable payment
- Continue using the equipment while improving cash flow
Business Loans for Contractors
Gable can also provide unsecured and secured business loans, which are useful for:
- Taking on new contracts and staffing up
- Marketing, vehicles, or premises upgrades
- Non-asset expenditure linked to business growth
Why Contractors & Landscaping Professionals Choose Gable
- Specialist knowledge of the landscaping, grounds and horticultural sectors
- Finance available for new and used equipment, with no strict age limits
- Funding for dealer-supplied and privately purchased machinery
- Fast decisions designed around real-world contracting timescales
- Options to finance single machines or complete multi-asset fleets
- Flexible terms aligned with seasonal cash flow and contract cycles
Upgrade Your Landscaping Equipment with Gable Business Finance
Whether you’re a small garden maintenance business or a multi-crew commercial landscaping contractor,
Gable Business Finance can help you acquire the machinery you need to grow – without tying up vital cash.
From mowers and compact tractors to UTVs, trailers and handheld tools, we provide tailored finance for
almost all types of groundcare vehicles and equipment.
Speak to Gable today to explore your groundcare finance options for contractors and landscaping professionals.