Golf simulator finance
Commercial simulator bays and launch monitors for indoor golf venues, clubs and coaching businesses — including refinancing a bay you have already paid for.
Whole-of-market — 60+ lenders searched, including
Can you finance a golf simulator?
Partly, and knowing which part is the whole job. The hardware — launch monitor, projector, enclosure, hitting mat — is a fundable asset with a serial number and a resale market. The building work around it, the screed, the lighting and the software licence generally are not, because a lender cannot repossess a room. Deals are usually structured so the fundable kit carries the agreement and the fit-out is paid separately, which is why a single all-in quote from an installer often gets declined when the same project, split correctly, goes through.
Used kit: Rarely — new preferred, though refinance of owned kit is common
Get a quoteor call 0333 772 4864
What would a golf simulator 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
A simulator bay is two different things bolted together, and only one of them is fundable. The fit-out — bay, joinery, screen surround, flooring, lighting — has real cost and almost no resale value, because it cannot be removed and sold on. Lenders will not fund it. The launch monitor is the opposite: discrete, serial-numbered, high value, with an established second-hand market. Knowing which half you are asking about before you apply saves a wasted week, and it is also what makes a refinance possible after the room is built.
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 |
|---|---|
| Garmin Approach R10 | Portable radar launch monitor |
| SkyTrak+ | Photometric and radar launch monitor |
| Bushnell Launch Pro | Ball tracking monitor for lessons |
| Uneekor EYE XO2 | Overhead camera launch monitor |
| Foresight GC3 | Three-camera launch monitor for studios |
| Foresight GCQuad | Four-camera monitor with club data |
| Full Swing KIT | Doppler radar monitor for indoor and outdoor |
| TrackMan 4 | Dual radar system for teaching and fitting |
| TrackMan iO | Ceiling mounted indoor tracking unit |
| BenQ LK936ST projector | Short throw projector for simulator screens |
Get a quoteor call 0333 772 4864
Who buys one
Indoor golf venues, driving ranges, clubs adding a winter offer, and coaching businesses. Frequently the purchase follows a fit-out that has already absorbed a large amount of the business's cash.
Get a quoteor call 0333 772 4864
We funded this
£48,000
A commercial TrackMan refinanced for a leisure venue, releasing capital from equipment they already owned.
Read the case study →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.
Golf simulator finance questions
Can I finance a whole simulator room?
Not usually as one agreement. The launch monitor and simulator equipment are fundable; the fit-out around them generally is not, because it has no resale value. Businesses often fund the equipment and pay for the building work separately.
Can I refinance a simulator I already own?
Yes, provided it is owned outright and identifiable by serial number. An asset refinance releases capital tied up in equipment you keep using — see the funded example below.
Is a golf simulator a regulated agreement?
It depends on who is borrowing, not what is being bought. A limited company sits outside the Consumer Credit Act; a sole trader or a partnership of three or fewer is treated as an individual and the agreement is regulated unless it is for business purposes and over £25,000.
How does a lender think about simulator technology dating?
It is the main thing they weigh. Simulator technology dates faster than the hardware wears out, which is why terms are shorter than on a tractor or a sawmill.
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.