Golf club finance, machinery, buggies, and course development funding
From a new fleet of golf buggies to a full course maintenance programme, Sorbus Finance can consider hire purchase, finance lease, and business loan options from its panel of 150+ UK lenders to help maintain your course without straining cashflow.
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Golf course equipment finance calculator
Estimate monthly payments for golf course machinery, buggies, and equipment.
Select the option that best describes your business. This sets the APR starting from shown.
Asset value
£80,000
Monthly payment
£1,822.65
per month (48 mo)
APR starting from
9.9%
Deposit
£8,000
Amount financed
£72,000
Total interest
£15,487
Total repayable
£95,487
This tool is designed to give you an illustrative example of estimated monthly payments. All applications are subject to underwriting and an independent lenders credit outcome. Please contact Sorbus Finance for further information. If structured as finance lease, 20% VAT is charged on each monthly rental and the initial deposit by the lender.
Representative 7.9% APR. Your rate may differ based on your financial profile and lender assessment.
Why golf clubs choose Sorbus Finance
Independent broker with an extensive panel of 150+ UK lenders. No upfront fees.
Specialist knowledge of golf course assets
Fairway mowers, greens mowers, utility vehicles, and golf buggies all have established residual values and active secondary markets. We work with lenders who understand these assets and offer competitive rates accordingly.
Fleet finance for golf buggies
A fleet of 10–30 golf buggies represents a significant capital investment. We structure buggy fleet finance to match your income model, with hire purchase for ownership at term end or operating lease to refresh the fleet every 3–5 years without ownership risk.
Sale-and-leaseback on existing assets
If your club owns machinery outright, sale-and-leaseback allows you to sell it to a finance provider at market value and lease it back, immediately releasing capital for other course improvements or clubhouse development without disrupting operations.
Seasonal payment structures
Golf clubs have seasonal cashflow profiles. Some lenders will build lower payments in the winter months (October–March) and higher payments across the summer season when green fees and buggy income is strongest.
Clubhouse and bar refurbishment loans
Beyond equipment, we also arrange business loans for clubhouse refurbishment, kitchen and bar fit-out, changing room upgrades, and pro shop development, covering the full range of capital investment a golf club needs.
No upfront fees
In almost all circumstances we do not charge a broker fee. Should a broker fee be chargeable you will be made aware clearly in advance and it will be agreed in writing before you proceed. Read our Initial Disclosure.
What we can finance
New or used, single asset or a complete facility package.
Who you could speak to
- STEP 1
A conversation with a broker
You talk to a real Sorbus broker about the business, the purpose and what is affordable. No application at this stage.
- STEP 2
Credit placement
If you choose to go further, we prepare the case and decide which lenders on our panel of 150+ are worth approaching.
- STEP 3
Lender assessment
The lender, not Sorbus, underwrites and makes the credit decision. Approval is never guaranteed.
- STEP 4
Documentation
If a lender offers terms and you accept, we help coordinate agreements and payout paperwork with you.
Every step after the first is optional. You can stop after the conversation. Sorbus is a broker, not a lender.
Client journey
Explore real client journeys
Read how real businesses approached a funding goal, what Sorbus arranged and what happened next.
Browse anonymised case studiesStart with a conversation
Tell us a little about what you need and who you would like to speak to. No obligation, no credit check at this stage. We aim to respond within one business day, Monday to Friday, 9am to 5:30pm.
Prefer to call?
Speak directly to an adviser Monday–Friday, 9am–5:30pm.
01246 383500Free call. No obligation.
Optional: Business Finance Health Check
Before you approach lenders, understand your borrowing readiness with our free Business Finance Health Check, built for UK sports and leisure businesses.
Take the short Health CheckFree · No credit check · Not required before you talk
Want the full picture? The full fact-find is longer and also optional.
Email us anytime
hello@sorbusfinance.co.ukFree tool
Know your lending position before you apply
The Business Finance Health Check scores your readiness to borrow, business resilience, and exit strategy. Free, under 5 minutes, no obligation.
Questions answered
Common questions from sports and leisure business owners.
Related sports & leisure finance
Ready to discuss finance for your golf club?
Speak to a Sorbus Finance adviser for a free, no-obligation discussion about machinery, buggy fleet, or course development funding.