Question 1

Can payments be weighted to the cutting season?

Accepted Answer

Yes. Clubs, contractors and local authority suppliers commonly pay more between March and October and less through the winter, and most funders will accept a stepped or seasonal profile on groundscare kit.

Question 2

How long should a mower fleet be funded over?

Accepted Answer

Greens and fairway units are usually funded over three to five years, which lines up with typical fleet renewal cycles and keeps machines under warranty for most of the term. Compact tractors, utility vehicles and top dressers often go longer, because they are worked less hard and kept longer.

Question 3

Can a whole fleet renewal go on one agreement?

Accepted Answer

It can. Mowers, aerators, sprayers, utility vehicles and the trailer behind them can be funded as a single facility with one payment date, which is far easier to budget against than six separate agreements. We can also stagger renewals so a third of the fleet changes each year rather than everything at once.

Question 4

Do golf clubs and members' clubs get funded differently?

Accepted Answer

Clubs are funded on the same basis as any other business, though funders will look at membership income and reserves rather than trading profit alone. Committee approval timescales are worth flagging early so we can hold an offer open long enough to get it through a board meeting.

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.

Groundscare finance

Finance for every category of groundscare equipment

Groundscare equipment we fund every week

Categories we regularly fund

Groundscare finance: common questions

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