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Industrial Wood Chipper Finance

Spread the cost of an industrial wood chipper from £15,000 to £200,000 with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a industrial wood chipper?

Yes, industrial wood chippers 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 £15,000 to £200,000, and most deals are written over 24–72 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£15k – £200k

Approval Speed

24–48 hours

Same-day for < £40k

Rates From

5.4% APR

What would a industrial wood chipper cost per month?

£55,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical industrial wood chipper price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.9% APR
Term
24–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Businesses wanting to own the chipper outright

Finance Lease

Rate
From 5.4% APR
Term
24–72 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim 100% of payments against profit

Operating Lease

Rate
From 6.2% APR
Term
24–60 months
Deposit
None required
Ownership
Return at end
Best for
Add processing capacity for a seasonal contract. Off balance sheet.

Representative example

On a purchase price of £55,000: a 10% deposit of £5,500, then 48 monthly payments of £1,160 at 5.9% APR representative (fixed). Total amount payable £61,180, 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
Used Bandit hand-fed disc chipper £11,000 – £25,000 PTO/Diesel Hand-Fed Chipper
Diesel-engine drum chipper (Jenz/Heizohack class) £25,000 – £70,000 Towable Drum Chipper
Self-feeding whole-tree chipper (Heizohack/Bandit class) £70,000 – £150,000 High-Capacity Self-Feed Chipper
Track-mounted or crane-fed chipper (Bandit Beast class) £150,000 – £200,000 Heavy Industrial Chipper

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Tax benefits

Industrial wood chippers qualify for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one, up to £1,000,000. HP agreements allow capital allowances. Lease payments are fully deductible.

Market context

Industrial wood chippers are bought by tree surgery, forestry, arboriculture and biomass fuel businesses that need to process brash, whole trees or waste timber into chip on site or at a yard, rather than paying a contractor to remove it. Because these machines see hard outdoor use and represent a substantial capital outlay for a tree surgery or forestry business, finance is the standard route, keeping working capital available for fuel, blades and crew costs. Replacement is generally driven by winning a contract that needs more throughput, moving from a hand-fed to a self-feeding machine to reduce crew time, or wanting a towable unit that can travel between sites, rather than the chipper wearing out; these are heavily built diesel machines with a long working life when serviced. A solid UK and wider used market exists for Bandit, Jenz and Heizohack chippers, and lenders will fund a used machine, typically over a shorter term than new. Blades and knives are a significant recurring cost, and towable and track-mounted units need to be matched to the tow vehicle or site access available.

Bad credit?

Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

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Frequently asked questions

Can I finance a used industrial wood chipper?
Yes. Bandit, Jenz and Heizohack chippers have an active used market through forestry equipment dealers and auction platforms, and lenders will finance a used machine, typically over a shorter term than for new. Engine hours and blade condition matter more to a lender than age alone, and a used machine from a well-known brand with a documented service history is usually straightforward to get approved.
What's the difference between a hand-fed and self-feeding chipper for finance purposes?
A hand-fed chipper needs an operator to guide material into the intake, while a self-feeding machine pulls material in automatically and can process whole trees with less crew time. Self-feeding machines cost considerably more, so financing over a longer term is common to keep monthly payments manageable relative to the extra throughput and reduced labour they provide. Which is right for a given business usually comes down to the volume of material being processed and how much crew time is available on site.
Do I need a specific licence or tow vehicle for a towable chipper?
Towing a chipper on the public highway requires the appropriate driving entitlement for the combined weight of the tow vehicle and chipper, which is a road traffic matter separate from the finance itself and worth confirming with your fleet insurer and driver licensing before ordering. Track-mounted and self-propelled chippers avoid the towing question entirely but suit different site access. It is worth checking this with your fleet insurer and driver licensing provider well before the chipper is due to arrive, so the tow vehicle and driver entitlement are sorted in good time.
What deposit do I need for industrial wood chipper finance?
For hire purchase, most lenders ask for a 10–20% deposit. Finance leases and operating leases can often be arranged with no deposit at all, which suits a business timing a purchase against a new contract. A larger deposit reduces the monthly payment and can help on higher-value self-feeding or track-mounted machines. Businesses with an existing contract or seasonal order book for the chipping work may be offered more flexibility on the deposit required.
How quickly can I get industrial wood chipper finance?
Most applications are approved within 24–48 hours, with same-day approval common for deals under £40,000. Larger self-feeding or track-mounted machines, or first-time applicants without an established trading history, may take a few extra days while the lender reviews accounts and, for higher-value deals, arranges a valuation. Having a clear supplier quote and recent accounts ready in advance helps keep a straightforward application moving at that pace.

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