Verticutter finance
Verticutting units remove thatch and lateral growth from fine turf, and they fund either as standalone machines or as cassettes within a mower package.
Whole-of-market — 60+ lenders searched, including
Can you finance a verticutter?
Yes, with one distinction worth understanding. A dedicated verticutter such as a Graden is a machine in its own right and funds as a hard asset. A verticutting cassette that drops into a Dennis or a Toro unit is an attachment, and funders will only advance against it if it appears on the invoice with the host machine. Used dedicated verticutters fund reasonably well. The point clubs miss is that buying the cassettes a season after the mower, out of the maintenance budget, means they cannot be financed retrospectively.
Used kit: Yes for dedicated machines, typically up to around seven or eight years old. Rarely for loose cassettes, which are treated as parts rather than an asset.
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What would a verticutter 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
Verticutters sit at the smaller end of turf machinery, so the covenant matters more than the asset. A dedicated unit has an identifiable serial number and a small but real used market among contractors, which is enough to keep it out of the soft asset bracket for most funders. Cassettes are not separately fundable and underwriters will say so. The buyer profile splits sharply: a members’ club is read on subscriptions and reserves and is generally a comfortable risk, while a renovation contractor is read on whether the machine will be earning across multiple customers or waiting for one annual contract. Clubs buying this alongside an aerator or mower get an easier ride because the package value carries it. Declines follow thin or absent accounts on a low-value application.
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 |
|---|---|
| Allett verticut cartridges | Interchangeable verticut units for pedestrian mowers |
| Dennis verticut cassettes | Cassette units for the FT and G series |
| SISIS Veemo | Pedestrian verticutter for fine turf |
| Graden GS04 Swing Wing | Deep verticutter with sand injection option |
| Redexim Verti-Cut 1200 | Tractor mounted verticutting unit |
| Redexim Verti-Cut 1800 | Wider verticutter for fairways |
| Toro Greensmaster verticut units | Cutting units for triple greens mowers |
| John Deere verticut reels | Reel conversions for greens mowers |
| SISIS Rotorake 600HD | Pedestrian thatch removal machine |
| Wiedenmann Terra Rake | Tractor mounted rake for thatch lifting |
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Who buys one
Head greenkeepers dealing with an organic matter problem that hollow coring alone has not fixed, usually after a soil test or an agronomist’s report has put it in writing to the committee. Also sports turf contractors adding a renovation service, and cricket and bowls venues where the surface has become spongy and the annual renovation window is the only chance to correct it.
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.
Verticutter finance questions
Why can I not finance the cassettes on their own?
Because a funder needs an asset it could identify and recover. A cassette without a host machine is a part, not a machine, and there is no practical way to secure against it. If you want cassettes funded, order them with the mower on the same invoice and the whole package becomes the asset.
Is a Graden treated differently from a mower-mounted unit?
Yes. A Graden or similar dedicated verticutter is a standalone machine with its own serial number and its own used market, so it funds on its own merits. A mounted unit depends entirely on the machine it fits, which is why the two are underwritten quite differently.
We only use it two weeks a year. Does that affect the finance?
Not the approval, but it should affect your thinking. Low annual use is exactly why some clubs hire the machine for the renovation window instead. We will tell you if the numbers point that way — there is no point financing a machine that sits in the shed for fifty weeks.
Can a contractor fund this against a renovation contract?
Yes, and the contract strengthens the application. Funders will ask how long it runs, who the customer is and whether you have other work. A contractor with several venues on annual renovation agreements looks very different from one with a single seasonal booking. Bring the contracts with you rather than describing them.
Will the finance cover the sand or dressing that goes with it?
No. Consumables, sand, seed and dressing are trading costs and cannot be included in an asset agreement. Only the machine and its permanently fitted equipment are fundable. Budget the materials separately or discuss a working capital facility as a different conversation. Materials come out of the maintenance budget at almost every club we deal with.
Get a quoteor call 07581 364281
Also in golf, turf and groundcare finance
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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.