Wood chipper finance
Road-tow, tracked and crane-fed chippers, funded on hire purchase, including machines bought privately rather than from a dealer.
Whole-of-market — 60+ lenders searched, including
Can you finance a wood chipper?
Yes. Wood chippers are funded on hire purchase as hard plant, new or used, and unlike most assets they are routinely bought from private sellers rather than dealers — which is the part that catches people out. A lender will want the invoice, the serial number and proof the seller owns the machine outright with no finance against it. Machines to around ten years old are financed as a matter of course, and a decision on a straightforward chipper usually comes back the same week.
Used kit: Yes, routinely to around ten years old
Get a quoteor call 0333 772 4864
What would a wood chipper 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
Lenders treat a chipper as hard plant with a real second-hand market, which is why terms run to five years and used machines are fundable well past their first owner. Engine hours and feed-roller condition matter more to a decision than age. The complication is who you are buying from: many chippers change hands privately, and a lender needs an invoice, a serial number and proof the seller owns it outright before it will pay anyone.
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 |
|---|---|
| GreenMech Arborist 150 | Compact road-tow chipper for small crews |
| GreenMech Arborist 190 | Six-inch capacity towable disc chipper |
| GreenMech EVO 165D | Towed chipper with variable feed control |
| Timberwolf TW 150DHB | Entry-level towable drum chipper |
| Timberwolf TW 230 | Popular six-inch chipper for tree surgeons |
| Forst ST6 | Six-inch chipper with hydraulic winch option |
| Forst TR8 | Eight-inch road-tow chipper for larger timber |
| Jensen A328 | Compact chipper for domestic access jobs |
| Jensen A530 | Mid-range chipper for daily contract work |
| Heizohack HM 6-300 | PTO drum chipper for biomass production |
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Who buys one
Tree surgeons, fencing contractors and grounds maintenance firms, usually replacing a machine that has become unreliable mid-season rather than buying a first one. A chipper earns on the day it is on site, so the cost of being without one for a fortnight is normally larger than the finance.
Get a quoteor call 0333 772 4864
We funded this
£18,300
GreenMech EVO 165D bought from a private seller. Four lenders approached, two offers returned, six days from enquiry to the seller being paid.
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.
Wood chipper finance questions
Can I finance a chipper from a private seller?
Yes, and it is more common in arb than in most sectors. The lender needs an invoice, the serial number and evidence the seller owns the machine outright with no finance outstanding against it. Some lenders will not fund private sales at all, which is usually why an arborist is told no — not because the machine was unfundable.
Why will a lender go longer on a chipper than on climbing kit?
Resale depth. A chipper has a real second-hand market, so a lender can see what it would be worth part-way through an agreement and is comfortable spreading the cost further. Ropes, harnesses and saws have effectively no resale value, so they are treated as consumables and funded very differently, if at all.
Can I finance a used chipper?
Yes. Machines to around ten years old are financed routinely. A lender is more interested in engine hours, feed-roller and blade condition and documented servicing than in the year on the plate.
Do I need a deposit?
Often not. A nil-deposit agreement is achievable on a mainstream machine with reasonable trading history; a larger deposit tends to be asked for on a private sale, an older machine or a newer business.
How quickly can it be paid out?
Straightforward chipper deals typically pay out inside a week. The case study below took six days from first enquiry to the private seller being paid.
Get a quoteor call 0333 772 4864
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See everything we fund in arb and forestry 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 0333 772 4864 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.