Question 1

Can chippers and stump grinders be funded on shorter terms?

Accepted Answer

Yes. Chippers, stump grinders and chainsaw kit are typically funded over two to four years, matched to how hard they are worked and how quickly they are changed.

Larger forwarders, harvesters and tracked chip trucks sit over longer terms because they hold value and stay in the fleet.

Question 2

Does contract work rather than owned woodland affect approval?

Accepted Answer

No. Most of the arb and forestry businesses we fund are contractors. Funders look at trading history, the order book and the machine's resale value rather than land ownership. Regular local authority or utility contracts read particularly well and are worth mentioning in the proposal.

Question 3

Can I fund a tracked chipper and the tipper together?

Accepted Answer

Yes. A chipper, chip truck or tipper and the arb trailer can go on one agreement with a single payment, or be split so the vehicle sits over a different term to the machine. Splitting is often better value, because commercial vehicles and specialist machinery are priced by different funders.

Question 4

Is seasonal profiling available for winter-heavy work?

Accepted Answer

It is. Arb work is often weighted to the dormant season, and payments can be stepped to reflect that rather than spread flat across a quieter summer.

Question 5

I have never used a finance broker before. Is it more hassle?

Accepted Answer

Less, in our experience. You complete one application and one conversation with us. We then approach the funders on your behalf, rather than you filling in separate forms for your bank, the dealer's finance arm and anyone else you might have approached. We handle the paperwork, the funder's questions and the chase-up, and we come back to you with the options set out plainly. You keep the decision; we do the legwork. It also protects your credit file. Rather than several lenders searching you in a short space of time, we place the proposal with the funders most likely to say yes to that particular asset and business.

Question 6

What types of assets can be funded?

Accepted Answer

Broadly, anything identifiable, durable and used for business purposes. In practice that means: tractors; combines and harvesters; balers, mowers and forage equipment; telehandlers and loaders; ATVs, side-by-sides and utility vehicles; grain handling, storage and drying plant; livestock housing, feeding and handling equipment; milking parlours and robotic milking systems; irrigation and water management; groundscare machinery including greens mowers, fairway units, sprayers and top dressers; construction plant such as excavators, dumpers and rollers; commercial vehicles, vans and trailers; solar arrays, battery storage and other renewables; and IT, software and telematics. If an asset is unusual we will say so early. Specialist or bespoke equipment can usually be funded, though the funder panel narrows and the structure may differ.

Arboriculture & Forestry finance

Finance for every category of arboriculture & forestry equipment

Arboriculture & Forestry equipment we fund every week

Categories we regularly fund

Arboriculture & Forestry finance: common questions

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