Fairway mower finance
Five-unit and seven-unit fairway mowers are the machine a course is judged on, and they are funded as a straightforward hard asset.
Whole-of-market — 60+ lenders searched, including
Can you finance a fairway mower?
Yes. A fairway mower is funded as a hard asset on hire purchase or on a lease, and it is one of the easier golf machines to place because the second-hand market for Toro, John Deere and Jacobsen fairway units is deep and well documented. Used machines are fundable, and a well-maintained unit with a known hour count is treated much the same as new. The thing that catches clubs out is that the cutting units are often quoted separately from the traction unit — make sure the invoice covers the complete machine, because a funder will only advance against what the invoice describes.
Used kit: Yes — used fairway mowers fund readily, and machines up to around eight to ten years old are routinely placed where hours and service history stack up.
Get a quoteor call 07581 364281
What would a fairway mower cost per month?
Business asset finance is quoted on a flat rate, so that is what this shows — with the equivalent APR underneath, because the two are not the same number. A quick guide only; your actual rate depends on the asset, term, deposit and lender.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 6.0% flat rate (equivalent to 11.5% APR representative), you would repay around £646 a month; total amount repayable approximately £31,000, of which £6,000 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. CW Asset Finance is an Appointed Representative of Rural Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630701).
How lenders treat it
Funders like fairway mowers because they can see the resale evidence. Trade auction results for the mainstream marques are published often enough that an underwriter can form a view on value at any point in the agreement, so the advance is comfortable and the security argument is easy. Where they get careful is the income behind it. A members’ club is assessed on the subscription book — membership numbers, renewal rate and the reserves shown in the accounts — while a proprietary course is assessed like any trading business on green fee and bar income. Seasonal profiles are normal here and repayments can be shaped around the playing season rather than flat across the year. What gets declined is a club with a falling membership roll and no explanation for it.
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 |
|---|---|
| Ransomes Parkway 3 Meteor | Triple cylinder mower for fairways and tees |
| Baroness LM551 | Five-unit fairway cylinder mower |
| Jacobsen Fairway 305 | Lightweight fairway mower with five units |
| Jacobsen LF550 | Fairway mower for wider cutting widths |
| Toro Reelmaster 3575-D | Compact fairway mower for undulating ground |
| Toro Reelmaster 5010-H | Hybrid drive fairway mower |
| Toro Reelmaster 5410 | Five-unit fairway mower with wide width |
| Toro Reelmaster 7000-D | Large area fairway and sports turf mower |
| John Deere 7500A PrecisionCut | Fairway mower with electric reel option |
| John Deere 8000A E-Cut | Hybrid fairway mower with five units |
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Who buys one
Typically a members’ club whose existing fairway mower has reached the point where the cutting quality is being commented on in the suggestion book, or a course coming out of a five-year replacement cycle. The head greenkeeper has usually demoed two machines at a dealer day, picked one, and the committee then wants the cost spread rather than taken out of reserves. Proprietary courses and golf resorts buy the same way but decide faster.
Get a quoteor call 07581 364281
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.
Fairway mower finance questions
Can the club own the mower at the end?
On hire purchase, yes — ownership passes once all payments and the option to purchase fee are made. On a lease you are renting the machine and the funder keeps title, which some clubs prefer for accounting reasons. Tell us which outcome you want before we approach funders, because it changes which ones we go to.
We are a members’ club, not a limited company. Does that matter?
No. Unincorporated members’ clubs, companies limited by guarantee and limited companies are all fundable. What changes is the paperwork — an unincorporated club will usually need the committee resolution authorising the purchase and signatures from the officers named in the constitution. We tell you exactly what is needed up front.
Can we finance the cutting units separately from the traction unit?
It is better not to. Fund the machine as one asset on one invoice. If the cutting units are bought later as a spares purchase they are treated as consumable parts rather than an asset, and funders will not advance against them on their own. Ask the dealer to quote the complete machine.
What happens if we want to change the mower early?
Settlement figures are available at any point and the balance can usually be rolled into the new agreement if the machine has held its value. Fairway mowers generally have, which is why mid-term changes are common in golf. Speak to us before you commit to the replacement so the numbers are known first.
Does the dealer have to be a main agent?
No. We fund machines bought from main dealers, from independent turf machinery dealers and from other clubs. A private sale between clubs is fine but the funder will want proof of clear title and usually an independent inspection, so it takes a little longer than a dealer purchase.
Get a quoteor call 07581 364281
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See everything we fund in golf, turf and groundcare finance →
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 07581 364281 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.