Golf Equipment Finance

Golf equipment finance lets your club refresh its buggy fleet, replace mowers or upgrade the range on fixed monthly payments, so the course improves without draining reserves set aside for the season.

From £1,000 with no upper limit
Online decisions in 24 hours
Trusted since 2004, 30,000+ deals

Price up your equipment Speak to an account manager

Two golf carts parked on a fairway path while golfers load their clubs, the kind of fleet covered by golf equipment finance

Golf course and clubhouse equipment we fund

From a single replacement greens mower to a complete buggy fleet, golf cart finance and course machinery can sit on one agreement with delivery and set up included. Running more than a golf business? See everything else we can finance.

Golf carts and buggies

Electric and petrol buggies, single seat carts and utility carts, bought new or as a refurbished fleet.

Course mowers

Greens, tees, fairway and rough mowers, ride on or pedestrian, to keep playing surfaces consistent.

Ball cleaners and washers

Tee side ball washers and range ball cleaning machines that keep stock in good order.

Driving range kit

Ball dispensers, range pickers, bay mats and targets for a busier, better run range.

Turf care machinery

Aerators, scarifiers, sprayers, top dressers and rollers used by the greenkeeping team.

Course vehicles

Utility vehicles, compact tractors and vans for moving staff, tools and materials around the site.

Vehicle finance

Clubhouse kitchen and bar

Ovens, refrigeration and bar equipment for the restaurant, function room and halfway house.

Catering equipment finance

Pro shop tills

EPOS terminals, card readers and booking hardware for the shop, bar and tee sheet.

EPOS finance

Two golfers smiling as they drive a golf buggy across the course at sunset

Funding that suits how golf businesses trade

Green fees, memberships and range takings rise and fall through the year, so we look for golf buggy finance and machinery funding that sits comfortably alongside your income.

Members' golf clubs

Fleet and machinery upgrades without a levy.

Proprietary courses

Equipment that helps fill tee times.

Driving ranges

Dispensers, pickers and bay kit.

Golf resorts and hotels

Buggies and course kit for visiting players.

Golf academies

Teaching bays and practice equipment.

Course maintenance contractors

Turf machinery for contracted sites.

Three ways to fund your golf equipment

Your account manager will recommend a structure based on how long you expect to keep each machine and whether the club wants to own it. Greenkeeping teams can also find industry resources and a supplier directory through BIGGA, the greenkeepers' association.

Finance lease

The club pays a fixed rental for the term and does not carry the full purchase price. Rentals are usually treated as a running cost.

Best for buggy fleets you plan to replace on a regular cycle.

How a finance lease works

Hire purchase

Payments are spread over the term and ownership passes to the club with the final instalment, so the asset stays on your books.

Best for mowers and turf machinery you will run for many seasons.

How hire purchase works

Sale and leaseback

If the club already owns its fleet or machinery outright, you can release the value tied up in it and keep using everything as normal.

Best for funding a clubhouse project or bunker programme.

How sale and leaseback works

From dealer quote to equipment on the course

A straightforward golf equipment finance application can be agreed within days, which helps when a dealer is holding stock or the season is about to start.

Step 1

Pick your equipment

Choose the buggies or machinery and get a quote from the dealer you already trust.

Step 2

Send us the details

Complete a short online application with the club or company details.

Step 3

Receive a decision

We match the deal to suitable lenders on our panel and usually reply within 24 hours.

Step 4

Sign and take delivery

Sign online, the lender pays the dealer and your equipment arrives on site.

Example: renewing a club's buggy fleet

A members' club with an ageing buggy fleet is losing hire income each time a cart breaks down, and the greens mower is close to the end of its working life. Paying for both at once would take most of the money the committee has put aside for course improvements.

Spread instead over four years with golf cart finance, the new buggies are in service before the busy months, hire income starts covering the payments straight away and the reserves stay intact.

If the club owns its existing fleet, part of its value can sometimes be released through sale and leaseback. Rentals can often be offset against profit, which we cover in our tax relief guide.

See your monthly figure

Typical club package

Eight electric golf buggies£60,000

Buggy charging and set up£3,000

Pedestrian greens mower£9,500

Range ball dispenser£6,500

Range ball picker and washer£3,000

Total funded£82,000

Illustrative figures only. Your rate and monthly payment depend on your club, the equipment and the term you choose.

Golf equipment finance questions

If your question is not here, our full FAQs cover deposits, rates and eligibility, or you can call the team.

Useful downloads

Golf equipment brochure Benefits of leasing Leasing FAQs

Weighing up whether to keep running older machinery? Read the real cost of keeping old equipment.

How much can a golf club finance?

Golf equipment finance starts from £1,000 and has no upper limit, so it covers anything from a single ball washer to a full buggy fleet and turf care package.

Can a members' club apply, or only companies?

Lenders on our panel work with limited companies, partnerships and many members' clubs. Your account manager will tell you what the lender needs to see, which is usually recent accounts and details of who signs for the club.

Can we finance used or refurbished golf buggies?

Yes, in many cases. Refurbished fleets from an established dealer are often fundable, although the term may be shorter than for new buggies depending on their age.

Can payments fit around a quieter winter?

Talk to us about the timing that suits your season. Depending on the lender and your accounts, there may be options that reflect when the club takes most of its income, subject to status.

Is golf equipment finance tax efficient?

Lease rentals are usually an allowable business expense, and machinery bought on hire purchase may qualify for the Annual Investment Allowance. Your accountant can confirm how this applies to your club.

What happens when the agreement ends?

On hire purchase the equipment belongs to the club after the last payment. On a finance lease you can usually keep using it for a small ongoing rental, hand it back or move to a new fleet on a fresh agreement.

Ready to upgrade your course equipment?

Tell us what you need and which dealer is supplying it.

We will find the right lender and come back to you within 24 hours.

Get your quote Call 0191 250 1550