Hedge cutter finance
Funding for tractor-mounted hedge cutters and reach mowers, including saw heads and flail attachments used on farm hedges, verges and drainage banks.
Whole-of-market — 60+ lenders searched, including
Can you finance a hedge cutter?
Yes. Hedge cutters fund on hire purchase and used machines are well supported because the secondhand market extends beyond farming into councils, verge contractors and estate work. The practical point is that a mounted hedge cutter can be a small enough purchase to sit below some funder minimums, so it is frequently funded with the tractor it mounts on or with other kit on the same invoice. Be aware that hedge cutting is restricted at certain times of year under cross compliance and wildlife rules, so the machine earns in a defined season, which is worth reflecting in how the repayments are shaped.
Used kit: Yes, with arm straightness and ram condition mattering more than age
Get a quoteor call 0333 772 4864
What would a hedge cutter 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
Hedge cutters straddle agriculture and groundscare, which widens the resale market and makes funders relatively relaxed. The reach arm is what gets looked at: bent arms, worn pivot pins and leaking rams are expensive and immediately visible in a valuation. Flail and saw heads are checked separately because heads are often replaced during the working life of a machine. Established UK manufacturers resell far more readily than imports with no parts backup. Because cutting is legally restricted to part of the year, contractors can sometimes obtain repayments weighted to the autumn and winter months when the invoicing happens, although at this value many funders simply take a level profile. Small standalone deals are the practical limitation rather than any doubt about the asset.
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 |
|---|---|
| McConnel PA5465 | Mid-reach tractor mounted hedge cutter |
| McConnel PA6570 | Long reach power arm for verges and hedges |
| McConnel Robocut | Remote control tracked flail mower |
| Bomford Falcon Evo | Variable forward reach hedge cutter |
| Bomford flail hedgecutters | Rear and offset mounted flail arms |
| Spearhead Twiga Flex | Reach arm hedge cutter with flail head |
| Spearhead Multicut rotary mowers | Wide rotary toppers for rough grass |
| Shelbourne Reynolds hedge cutters | Tractor mounted reach arm cutters |
| Kuhn Multi-Longer GII | Reach mower for verges and ditches |
| Berti hedge and verge mowers | Flail arms and mulching heads |
Get a quoteor call 0333 772 4864
Who buys one
Farms cutting their own hedges rather than waiting on a contractor in a crowded autumn, contractors cutting for farms, councils and highways, and estates maintaining rides, verges and drainage banks. The trigger is often a contractor unable to get round everybody in the permitted window, a hedgerow management requirement under an environmental scheme, or an old machine whose arm rams and hoses fail repeatedly during the only weeks it is allowed to work.
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 agriculture.
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.
Hedge cutter finance questions
Can I finance a hedge cutter without buying a tractor?
Yes, but check the value first. A mounted hedge cutter alone can fall below the minimum some funders will write. If you are buying a tractor at the same time, putting both on one invoice is far simpler. Larger contractor-specification machines usually have enough value to stand on their own.
What do funders look at on a used hedge cutter?
The arm above all. They want to know it is straight, that the pivot pins are not worn out and that the rams are not weeping. After that, the head condition, the hydraulic system and whether the machine has been on stone-strewn verges all its life. A straight, dealer-serviced machine is an easy approval.
Can contractors get repayments matched to the cutting season?
Sometimes. Hedge cutting is legally restricted to part of the year, so the income is concentrated, and some agricultural funders will weight repayments towards those months. At the values involved many contractors simply take a level profile because the difference is small and it keeps the paperwork simple.
Can I fund a replacement head for a machine I already own?
It is possible but usually too small to be worth a finance agreement on its own. If you are replacing a head at the same time as buying another machine, include it on that invoice. Otherwise most farms treat a replacement head as a repair cost rather than a capital purchase.
Is a hedge cutter viable if I only cut my own hedges?
That depends on your hedge mileage and how badly the contractor timing has let you down. Many farms justify it on control of timing rather than cost alone, and some recover part of it by cutting for neighbours. Funders are content either way as long as the farm accounts carry the payment.
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.
Specialist agricultural funding
Machinery, livestock and land — each with its own page, because each is assessed differently.