Can you finance a hedge cutter?

Yes, hedge cutters are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £10,000 to £55,000, and most deals are written over 12–60 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

Hedge Cutter Finance: Rates, Options & Eligibility

Typical Cost

£10k – £55k

Approval Speed

24–48 hours

Seasonal payment profiles available

Rates From

4.6% APR

What would a hedge cutter cost per month?

Hedge Cutter price (ex VAT) £24,000

Deposit 10%

Agreement term 60 months

Annual interest rate 9%

Balloon payment £0

Your estimate

Indicative only. Not a quote and not an offer of finance.

Pre-filled with a typical hedge cutter price. Indicative only, not a quote.

Finance options

Hire Purchase (HP)

Rate: From 5.0% APR
Term: 12–60 months
Deposit: 10–20%
Ownership: Yours at the end
Best for: Farms wanting to own the hedge cutter outright

Finance Lease

Rate: From 4.6% APR
Term: 12–48 months
Deposit: None required
Ownership: Return or buy (balloon payment)
Best for: Tax-efficient, hedge cutters see moderate seasonal use and hold value well

Operating Lease

Rate: From 5.4% APR
Term: 24–48 months
Deposit: None required
Ownership: Return at end
Best for: Contractors running a hedge and verge cutting round who need reach and reliability

Representative example

On a purchase price of £24,000: a 10% deposit of £2,400, then 48 monthly payments of £506 at 5.9% APR representative (fixed). Total amount payable £26,688, including the deposit. The rate you are offered depends on your business and the asset.

What buyers actually specify

Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.

Machine or specification	Guide price	Type
Twose TC 4.5	£10,000 – £16,000	Compact Flail Hedge Cutter
McConnel PA5745	£20,000 – £30,000	Mid-Reach Arm Hedge Cutter
Bomford Turner 6800	£28,000 – £40,000	Long-Reach Arm Hedge Cutter
McConnel PA6875	£38,000 – £55,000	Extra-Long-Reach Arm Hedge Cutter

Tax benefits

Hedge cutters qualify for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one, up to £1,000,000. HP gives access to capital allowances; lease payments are fully deductible from farming or contracting profits.

Market context

Hedge cutters are bought by mixed and livestock farms maintaining their own field boundaries, and by dedicated hedge and verge cutting contractors working for farms, local authorities, and highways contracts. Arm reach is the main factor separating a compact flail on a smaller holding from the long-reach machines used by contractors covering tall, mature hedgerows, and the pump, arm, and flail head take the most wear, so replacement tends to follow hydraulic and structural condition rather than age. Cutting is restricted outside the permitted hedge-cutting season under cross-compliance rules, which concentrates demand into set autumn and winter windows and supports a steady trade-in market as farms and contractors plan ahead of each season.

Bad credit?

Some specialist lenders consider businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options may be available. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender.

Frequently asked questions

Can I finance a used hedge cutter?

Yes, most lenders will finance a used hedge cutter up to around 10 years old, subject to the condition of the hydraulic arm, pump and flail head on inspection, since these are the parts that take the most wear during a normal cutting season. A dealer inspection or condition report is worthwhile before you apply, given how much strain the arm and hydraulics come under during regular use, and it can also support a faster decision from the lender. Rates on a used hedge cutter are typically a little higher than for new equipment of an equivalent specification, reflecting the shorter remaining working life the lender is financing against.

Does arm reach affect what finance is available?

Reach affects the price of the hedge cutter rather than the type of finance available to you, since hire purchase, finance lease and operating lease are all offered across the full range from compact flails to long-reach machines. A compact flail for a smaller farm's own hedges costs a fraction of a long-reach arm machine used by a contractor covering tall, mature hedgerows, so the loan amount and monthly payment scale with the specification you actually need rather than the reach itself changing which finance products are on offer. It's worth comparing quotes on the exact model and reach you need rather than a generic hedge cutter figure.

Is finance available given hedge cutting only happens in a set season?

Yes, because cutting is restricted to permitted autumn and winter dates under cross-compliance rules, lenders working in agriculture are used to structuring hedge cutter finance with seasonal or annual repayments that match when the work, and the income from it, actually happens, rather than a flat monthly amount spread evenly across the year. This is a standard request for this type of equipment rather than something you need to negotiate hard for. A farm's own cutting programme and a contractor's client workload can both be reflected in the repayment schedule this way.

Can I finance a hedge cutter alongside a flail mower or verge topper?

Yes, many lenders will finance a hedge cutter together with related boundary and verge maintenance equipment, such as a flail mower or verge topper, as one package rather than requiring a separate agreement for each machine. This suits a contractor building out a full hedge, verge and topping service in one go, since it means a single application and one set of repayments covering the whole equipment list rather than juggling several finance agreements with different terms. Itemising each machine on the supplier's invoice, with its own value, makes it straightforward for the lender to assess the full order as one facility.

What deposit is needed to finance a hedge cutter?

For hire purchase, most lenders ask for a deposit of 10 to 20% of the hedge cutter's price, while finance lease and operating lease agreements are typically available with no deposit at all. A farm or contracting business with a strong trading history and existing machinery on the books may be offered a lower deposit than the standard range, particularly on a familiar make like a flail or arm-reach machine from an established manufacturer. Putting down more than the minimum deposit will reduce the monthly payment, which is worth weighing against cash flow during the off season when hedge cutting income isn't coming in.

Can a new contracting business get hedge cutter finance?

Yes, a newly set up hedge and verge cutting contractor can still get finance for a hedge cutter, though a business trading for under two years is more likely to be asked for a personal guarantee from a director and a deposit at the higher end of the usual range. Lenders will look at any existing local authority or highways contracts you hold, since these give visibility of income even without several years of trading accounts behind you. Providing a business plan alongside the standard credit checks can help support an application from a business without a long trading history.

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For UK limited companies with at least 3 months’ trading and monthly revenue.

Hedge Cutter Finance