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CW Asset Finance | Vehicle & Equipment Finance Yorkshire

Asset Finance · Yorkshire

Starting a Tree Surgery Business

Tickets, kit and the first machine — what it takes to go out on your own, and how the equipment gets paid for.

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Starting a Tree Surgery Business in Yorkshire

Whole-of-market — 60+ lenders searched, including

BarclaysAldermoreParagonAllica BankPraetura Asset FinanceSimply Asset FinanceOxburyBraemar FinanceBibby Financial ServicesBPCE Equipment SolutionsCatfoss FinanceDavenham Asset FinanceFleximizeiwocaKingsway Asset FinanceLombardMetro BankBNP ParibasBarclaysAldermoreParagonAllica BankPraetura Asset FinanceSimply Asset FinanceOxburyBraemar FinanceBibby Financial ServicesBPCE Equipment SolutionsCatfoss FinanceDavenham Asset FinanceFleximizeiwocaKingsway Asset FinanceLombardMetro BankBNP Paribas

Most tree surgeons go self-employed with the tickets already in hand and the kit still to buy. That is the awkward gap: the certification says you can do the work, but the chipper that makes the work profitable costs more than a new business has sitting around. This is a practical guide to what is involved in starting a tree surgery business — and, since it is what we do, how the first machine usually gets funded.

What you can fund

Wood chippers

The machine that changes the economics.

Chip trucks & tippers

Carrying the arisings.

Stump grinders

Usually the second machine.

Climbing & saw kit

Fundable as part of a wider facility.

Used machinery

How most first machines are bought.

New-start finance

First agreements placed properly.

How to become a tree surgeon

Tree surgery is a certificated trade rather than a licensed one, which means there is no single qualification that lets you trade — but there are tickets you will not realistically work without. Chainsaw certification through NPTC or LANTRA is the baseline, with separate units for crosscutting, felling, aerial work and using a chainsaw from a rope and harness. Climbing and aerial rescue are assessed separately again.

Most people arrive at self-employment through a mix of college or apprenticeship and time on the ground with an established firm. That groundwork matters commercially as well as practically: a lender assessing a new business with no filed accounts leans heavily on whether the person running it has actually done the work.

Tree surgeon qualifications and what they signal

Beyond the chainsaw units, an arboriculture qualification and membership of the Arboricultural Association carry weight with commercial clients and local authorities, which is where the better-paid contract work sits. They also help on a finance application — not because a lender scores certificates, but because they support the case that the operator can run expensive kit safely and win repeatable work.

What tree surgeons earn

Earnings vary too much by region, certification and structure for a single figure to be honest. What is worth understanding is the shape of it. A groundworker earns least and needs the fewest tickets. A qualified climber earns considerably more, because aerial work is where the skill premium sits. Running your own business changes the question entirely: the day rate goes up, but so does everything else — insurance, tickets, waste disposal, vehicle costs and the machinery.

The step that most changes what a business can earn is not another ticket, it is the chipper. Handling arisings by hand caps how much work fits in a day, and subcontracting the chipping gives the margin away. That is why the first machine tends to come earlier than planned.

The kit, and what it does to cash flow

Climbing gear, saws and PPE are a manageable outlay. The machinery is not: a wood chipper, a tipper or chip truck to carry the arisings, and eventually a stump grinder. Prices move constantly and depend heavily on new versus used and road-tow versus tracked, so treat any figure you read online as indicative and get a real quote — but the useful point is that the machinery costs a multiple of everything else combined.

Buying it outright in year one is rarely realistic and rarely wise, because it takes out the working capital a new business needs for insurance, fuel and the gap between invoicing and being paid.

Funding the first machine

The first machine is the hardest to fund, because a new business has nothing on file for a lender to assess. It is still routinely done. Trade experience counts, certification counts, a signed contract counts, and a deposit counts for a great deal. What matters most is that the first agreement is placed with a lender that actually wants the business, because once it is running and being paid it becomes the evidence that makes the second and third machine straightforward.

We have funded businesses from their first asset onwards for exactly this reason — one North Yorkshire client went from a single van to two post knockers and a £70,000 sawmill inside three years, each application stronger than the last because the earlier ones were on file and performing.

What to send us

If you are setting up, tell us what you have done before, what tickets you hold, and what the first machine is. If you have work lined up, say so — a signed contract changes the conversation. We will tell you honestly whether it is fundable now or whether a few months of trading would get you a materially better deal. No credit check to ask.

How it works

1

Tell us what you need

One quick conversation about the asset and how the repayments need to work.

2

We search 60+ lenders

As an independent broker we find the right structure and rate — not one lender’s products.

3

You get funded

Indicative decisions in as little as 24 hours, then we manage it through to payout.

Estimate your repayments

Hire Purchase illustration at a representative 8.9% APR — a quick guide only; your actual rate depends on the asset, term, deposit and lender.

Approx. monthly£
Apply for this

Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a representative 8.9% APR, you would repay around £617 a month; total amount repayable approximately £29,610. 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).

Frequently asked questions

What qualifications do you need to be a tree surgeon?
There is no single licence, but NPTC or LANTRA chainsaw certification is the baseline, with separate units for crosscutting, felling, aerial work and using a chainsaw from rope and harness. Climbing and aerial rescue are assessed separately. An arboriculture qualification and Arboricultural Association membership help win commercial and local authority work.
How much do tree surgeons earn?
It varies too much by region, certification and structure for one figure to be meaningful. The pattern is consistent though: groundworkers earn least, qualified climbers considerably more because aerial work carries the skill premium, and running your own business raises the day rate while adding insurance, tickets, disposal, vehicle and machinery costs against it.
Can a brand new tree surgery business get equipment finance?
Yes. The first machine is the hardest because there is no trading history, but it is routinely done. Trade experience, NPTC or LANTRA certification, a signed contract and a deposit all strengthen the case. Placing that first agreement with a lender that wants the business matters more than the headline rate.
Should I buy a wood chipper outright or finance it?
Buying outright in year one takes out the working capital a new business needs for insurance, fuel and the gap between invoicing and payment. Financing spreads the cost across the years the machine earns, and on hire purchase the machine is yours at the end of the term.
Is it better to buy new or used to start with?
Most first machines are used, and that is usually the sensible route. Used arb equipment is financed routinely; age and hours affect the term and which lenders will look at it, but a well-maintained used machine from a known maker is a better asset than a cheap new one from an unfamiliar name.
Do you cover my area?
Yes — CW Asset Finance is based in Tadcaster and works with clients Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire, as well as nationwide.

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.