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James is Head of Asset Finance in our funding division. He specialises in arranging finance for assets across a range of sectors, as well as experience in completing finance agreements for assets coming from abroad. James has more than 30 years of experience in the finance sector, providing him with the necessary expertise to arrange finance for businesses requiring finance facilities across the UK.
Woodchippers and shredders are used across a wide variety of settings; from farms managing hedgerow clearance and tree surgery waste, forestry contractors processing timber residues, and arborists dealing with green waste. For businesses where this equipment is central to operations, having a reliable and capable machine is essential.
Woodchipper finance makes it possible to bring this machinery into your business through a finance arrangement, paying for it in instalments over a set period rather than meeting the full cost upfront. At UK Business Finance, we work with lenders across our panel to arrange finance for new and used woodchippers and shredders, covering a broad range of sizes and specifications.
If your business already owns a woodchipper and is looking to raise funds against it, asset refinance may also be an option worth exploring.
Protect your working capital: For farming business, cash reserves are used by a wide range of operational needs at any given time. Purchasing a woodchipper on finance rather than outright means the cost is not one single sum. Instead, it is managed through fixed monthly payments, leaving your working capital available for the day-to-day requirements of running the business.
Generate capital from equipment you already own: Businesses that have a woodchipper or other assets on their books, owned free of any existing finance, may be able to use it as the basis for an asset refinance arrangement. The machine is purchased by a funder, leased back for continued operational use, and the business receives a lump sum in return. Once the repayment term concludes, ownership of the equipment goes back to the business.
Tailored to your needs: A woodchipper finance agreement can be tailored to the financial requirements of your business. You can decide on how long you would like the finance to be spread over, ensuring the finance facility can sit comfortably within your budget.
Access equipment that improves productivity and site efficiency: Commercial woodchippers vary considerably in output, power source, and feed capacity. Older machines can create bottlenecks on site, slow down clearance jobs, and increase labour time. Finance gives businesses a cost-effective way to invest in a machine that is better suited to the volume and type of work they carry out, without the need to fund the full purchase price from cash reserves.
Know exactly what you will pay each month: Woodchipper finance agreements are based on fixed repayments, so there is no ambiguity about what is owed or when. From this point, the full schedule of payments is known in advance. This removes a layer of financial uncertainty and makes it straightforward to account for the commitment within the broader running costs of the business.
UK Business Finance is a commercial finance broker with access to a broad panel of lenders, allowing us to source funding solutions that are built around the precise requirements of your business. Whether you are looking to acquire a single woodchipper or expand your existing machinery fleet, we are here to help.
Here is how we can help:
For more information on woodchipper finance, please get in touch with our specialist team today.

Woodchippers and shredders can be financed through a variety of arrangements to suit different business types and budgets. Hire purchase and finance leases allow the cost to be distributed across a structured repayment term, while asset refinance gives businesses the option to release value from equipment they already hold. Unsecured loans are also available for businesses whose requirements sit outside a straightforward asset purchase.
UK Business Finance can help agricultural and forestry businesses find a finance solution that suits their needs. Whether you are purchasing new machinery or looking to raise capital from existing assets, our team will guide you through the process from start to finish.
| Asset Finance | Asset Refinance | Finance Lease | Unsecured Loans | |
|---|---|---|---|---|
Typical term length | Medium Term | Medium Term | Medium Term | Short Term |
Flexibility | Medium | Medium | Medium | High |
Deposit required? | Yes | Yes | Yes | No |
Purpose | Purchase assets | Raise capital for multiple ventures | Lease assets | Multiple business needs |
1. Get a Customised Quote
When you reach out to us, we will likely request that you provide the following information. Your latest set of accounts, previous 6 months’ banks statements and director’s personal details.
2. Compare Options
Once the information from step 1 has been confirmed, we will reach out to our extensive panel of funders, who under normal circumstances, respond with an answer in 48 hours. After this, Know Your Customer (KYC) and identification checks will take place for the business and its directors.
3. Finalise the agreement
As soon as you agree to move forward with the terms and conditions, you will receive the relevant documents for you to sign and then return. After the final checks have been completed, the funds will be released. The time taken to release the funding varies depending on the funder, ranging from 24 to 72 hours.

For farming and forestry businesses, a woodchipper can open new ways to manage waste and improve on-site efficiency. Spreading the cost through finance means businesses can put the equipment to work straight away without drawing on capital reserved for other priorities.
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With UK Business Finance, you can finance a wide range of different agriculture assets. These include tractors, harvesters, combine harvesters, dairy herds, crop sprayers, and a range of other agriculture equipment.
To apply, you will need to provide a range of documents to verify your business’s financial health. Documents to provide often include your business’s latest financial statements, 6 months of company bank statements, full name, address, DOB and homeownership status of all directors.
The terms and interest rates may depend on multiple factors, including the age and condition of the asset, the amount being financed, the length of the repayment term, your business’ creditworthiness, current market interest rates and the specific finance product chosen.
While specific criteria can vary between lenders, generally, you will need to demonstrate that you are a registered UK business, provide full annual accounts, previous bank statements, plus personal details such as full name, date of birth and personal address.
We can provide solutions including hire purchase agreements, finance leases and asset refinance. As well as this, we can arrange unsecured loans and working capital loans.
To boost your chances of approval, it’s important to maintain a good credit score and keep your financial documents well-organised. Demonstrating stable income and a healthy trading history will be beneficial. Reducing any existing debts can also improve your affordability profile. Additionally, clearly outlining the purpose of the finance and how it will benefit your business can help reassure lenders of your reliability.