Spread the cost of a stump grinder from £8,000 to £90,000+ with flexible finance options. HP, lease, or refinance
Yes, stump grinders 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 £8,000 to £90,000, and most deals are written over 24–60 months with a deposit of around 15–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.
Typical Cost
£8k – £90k
Approval Speed
24–48 hours
Same-day for < £30k
Rates From
6.0% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical stump grinder price. Indicative only, not a quote.
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For UK limited companies with 3+ months’ trading and monthly revenue.
On a purchase price of £25,000: a 10% deposit of £2,500, then 48 monthly payments of £527 at 5.9% APR representative (fixed). Total amount payable £27,796, including the deposit. The rate you are offered depends on your business and the asset.
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 |
|---|---|---|
| Compact tow-behind stump grinder | £8,000 – £18,000 | Compact tow-behind |
| PTO-driven stump grinder attachment (tractor-mounted) | £8,000 – £20,000 | PTO attachment |
| Mid-size tow-behind stump grinder | £15,000 – £35,000 | Mid-size tow-behind |
| Track-mounted self-propelled stump grinder | £30,000 – £60,000 | Track-mounted grinder |
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For UK limited companies with 3+ months’ trading and monthly revenue.
Stump grinders are plant and machinery and qualify for the Annual Investment Allowance up to £1,000,000 in the year of purchase, whether bought new or used. HP agreements allow capital allowances to be claimed in the normal way, and finance lease payments remain fully deductible against profits.
Stump grinders are bought by tree surgeons, arborists and grounds maintenance contractors, and are typically one of the biggest single tool purchases a small tree care business makes, alongside a road-tow chipper. Finance is common because a decent tow-behind or track-mounted grinder represents a significant share of a small firm's annual capital budget, and spreading the cost keeps cash available for vehicles, insurance and other essential kit. Routine replacement spend goes on cutting teeth and the grinding wheel, which wear from constant contact with wood, grit and buried debris and are a cheap, regular consumable cost, while replacing the whole machine is driven by engine hours and hydraulic wear rather than the teeth alone. There is an active secondhand market for stump grinders through specialist arboriculture and groundcare dealers, and buying a used machine is a well-established route into the trade for smaller contractors.
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.
Explore business funding options through Fundably.
For UK limited companies with 3+ months’ trading and monthly revenue.
See how lenders treat horticulture & forestry assets
Explore business funding options through Fundably.
Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.