Bunker rake finance
Ride-on bunker rakes groom sand, level faces and save hours of hand raking, and they fund as compact self-propelled turf machines.
Whole-of-market — 60+ lenders searched, including
Can you finance a bunker rake?
Yes. Ride-on bunker rakes fund as hard assets on hire purchase or lease. They are compact but self-propelled and serial-numbered, and the Toro Sand Pro and John Deere bunker rake families have a dependable used market, so funders are comfortable with them. Second-hand machines place well. The detail that catches clubs is the attachments — blades, cultivators, brooms and plough frames are how these machines earn their keep beyond raking, and if they are invoiced as accessories after delivery they cannot be added to the agreement.
Used kit: Yes — used bunker rakes fund comfortably, typically up to around eight years old with reasonable hours and a service history.
Get a quoteor call 0333 772 4864
What would a bunker rake cost per month?
Asset finance is quoted on a flat rate, so that is what the buttons show, with the equivalent APR beside it. Your exact rate depends on the asset, the term, the deposit and the lender.
Prime is an established, profitable business with clean credit. Specialist covers newer businesses and credit that needs explaining — the asset itself carries part of the risk, which is why finance is often available where an unsecured loan is not.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 5.15% flat rate (equivalent to 9.9% APR representative), you would repay around £628 a month; total amount repayable approximately £30,150, of which £5,150 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and may receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval.
Rates shown are indicative flat rates with the equivalent APR alongside — the two are not the same number. Indicative only and does not constitute a quote or an offer of finance. Subject to status and lender approval.
How lenders treat it
These are a known quantity to turf funders and rarely cause difficulty on the asset side. The machines are light, cheap to move and always in demand second hand, because every course has bunkers and every bunker rake eventually wears out. Underwriting comes down to the club’s financial shape and how many agreements it already carries. Members’ clubs benefit from recurring subscription income and are assessed on renewal rates and reserves rather than headline profit. Proprietary courses are read on green fee and event income, and a venue that has had two poor summers will be asked how it managed. Repayments can be weighted into the playing season when bunkers are actually being raked. The usual decline is a club with existing arrears, or one applying for a fourth agreement in the same year without the income to support the stack.
Makes and models we fund
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| Toro Sand Pro 2040Z | Compact bunker rake for tight traps |
| Toro Sand Pro 3040 | Mid-size bunker rake with attachments |
| Toro Sand Pro 5040 | Four-wheel bunker rake for busy courses |
| Toro Sand Pro attachments | Ploughs, rakes and blades for bunker units |
| John Deere 1200A | Bunker and field rake with rear blade |
| John Deere 1200H | Hydraulic bunker rake for greenkeeping teams |
| Smithco Super Star | Bunker rake for sand conditioning |
| Smithco Sand Star E | Electric drive bunker rake |
| Smithco Sand Star Riding Rake | Ride-on rake for large bunker counts |
| Baroness bunker rakes | Ride-on rakes for sand maintenance |
Get a quoteor call 0333 772 4864
Who buys one
Clubs where bunker presentation has become a members’ complaint, or where a bunker renovation project has just doubled the area that needs grooming. Also courses losing greenkeeping hours to hand raking on a busy tee sheet, and resort and proprietary venues where sand condition is part of what the green fee is paying for. In most cases the old machine is still running but the attachments are worn out.
Get a quoteor call 0333 772 4864
We publish the deals we arrange, with no client named and no rate quoted. See what we have funded in golf, turf and groundcare.
How it is treated for tax
Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
Bunker rake finance questions
Can the attachments be financed with the machine?
Yes, if they are on the same invoice. Blades, cultivators, brooms and plough frames are a large part of what makes the machine useful, and clubs regularly underfund by leaving them off the original order. Specify everything you want at quotation stage. Adding them later means paying for them out of cash.
Do we need one rake per course or can one cover two?
That is an operational decision, but funders will notice if a machine is being shared between sites, particularly if the sites belong to different legal entities. If two clubs under common ownership are sharing, say so up front so the agreement names the right party.
How does a bunker renovation project affect the application?
Positively, if you explain it. A funder reading accounts that show significant capital spend wants context. A documented bunker programme with a clear rationale is a better story than unexplained expenditure, so tell us and we will put it in front of the underwriter. Committee minutes recording the decision are useful supporting evidence.
Are electric bunker rakes funded the same way?
Yes, with the same caveat that applies across battery turf machinery: the used market is younger and battery condition is harder to verify at distance. It very rarely affects approval, but it can affect how a funder views the machine towards the end of the term.
We already have three agreements running. Will a fourth be approved?
It depends on the total commitment against your income, not the number of agreements. Funders look at the aggregate. If the stack is getting heavy we may suggest consolidating some of it rather than adding another line, and we will tell you if that is the sensible route.
Get a quoteor call 0333 772 4864
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
Get your quote
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 0333 772 4864 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.