The Ultimate Guide to Equipment Finance for Gardeners

The Ultimate Guide to Equipment Finance for Gardeners with Emu MoneyThe Ultimate Guide to Equipment Finance for Gardeners with Emu Money

If you're looking to take your gardening business to the next level, then you've come to the right place. In this article, we will explore the importance of equipment finance and how it can greatly benefit gardeners like yourself. As a gardener, you know that having the right tools and equipment is crucial for success. From lawn mowers and trimmers to irrigation systems and fertilisers, the list of equipment needed can be extensive. However, purchasing and maintaining these tools can often be a costly venture, especially for small businesses or independent gardeners. This is where equipment finance comes into play. Equipment finance allows gardeners to acquire the necessary equipment without the burden of upfront costs. Instead of depleting your bank account or tying up your working capital, you can opt for financing options that spread out the cost over a period of time. One of the key advantages of equipment finance is the ability to preserve your cash flow. By financing the equipment, you can keep your funds available for other important aspects of your gardening business, such as marketing, hiring additional staff, or investing in new opportunities. This flexibility can be a game-changer, especially in a competitive industry like gardening. Additionally, equipment finance offers various repayment options tailored to suit your financial situation. Whether you prefer fixed monthly payments or flexible terms, you can find a financing solution that aligns with your business needs. This allows you to effectively manage your budget and make consistent payments without straining your cash flow.

Ready to get started?

Compare over 40+ lenders with one application.

What is Equipment Finance?

Equipment finance is a financial solution specifically designed for gardeners in Australia to access the equipment they need for their businesses. It provides a way to acquire essential tools and machinery without the need for a large upfront payment. Equipment finance works through a financing arrangement between the gardener and a financial institution. The gardener identifies the specific equipment they require to enhance their gardening services, such as mowers, trimmers, or irrigation systems. They then enter into an agreement with the financial institution, which purchases the equipment on their behalf. The financial institution essentially becomes the owner of the equipment while the gardener gains immediate access and use of it for their gardening operations. The gardener will make regular payments to the financial institution over an agreed-upon period, which can vary based on the terms of the financing agreement. During the repayment period, the gardener is responsible for the maintenance and upkeep of the equipment to ensure it remains in good working condition. However, it's worth noting that the ultimate ownership of the equipment typically transfers to the gardener once the financing arrangement is successfully completed. This form of equipment finance offers gardeners in Australia the opportunity to manage their cash flow more effectively by spreading out the cost of equipment over time. It allows them to access modern and efficient tools without significant upfront expenses, providing a pathway to grow and expand their gardening businesses. In the following sections, we will explore the various advantages and considerations associated with equipment finance for gardeners in Australia. So, keep reading to discover more about the benefits and aspects to keep in mind when considering equipment finance for your gardening operations.

Want to learn more?

Learn about eligibility and how to apply.

Top 10 Types of Equipment Gardeners Can Purchase With Equipment Finance

Gardeners can access a wide range of equipment through equipment finance, including mowers, trimmers, and irrigation systems. These tools enable gardeners to maintain lawns, shape hedges, and efficiently water their plants. With equipment finance, gardeners can acquire the necessary equipment without the burden of upfront costs, allowing them to enhance their services and grow their businesses.

Here are some common types of equipment Gardeners can purchase with equipment finance:


Mowers are essential for gardeners to maintain lawns and keep them looking well-groomed and neat.


Trimmers are versatile tools that help gardeners shape and trim hedges, shrubs, and other greenery with precision.

Irrigation Systems

Irrigation systems are crucial for efficient watering of plants, ensuring they receive the right amount of water at the right time.


Cultivators assist gardeners in preparing the soil for planting by breaking it up and loosening it to promote healthy plant growth.

Leaf Blowers

Leaf blowers are handy tools that help gardeners clear leaves and debris from lawns, pathways, and gardens quickly and efficiently.

Garden Carts

Garden carts are useful for transporting tools, plants, and other materials around the garden, making work more manageable and efficient.

Pruning Tools

Pruning tools, such as shears and secateurs, are essential for gardeners to trim and shape plants, promoting their healthy growth.


Mulchers help gardeners recycle organic waste by turning it into nutrient-rich mulch, which can be used to enhance soil quality and promote plant growth.


Sprayers are used for applying fertilisers, pesticides, and herbicides in a controlled and efficient manner, ensuring the health and vitality of plants.

Soil Testing Kits

Soil testing kits enable gardeners to assess the nutrient levels and pH balance of soil, helping them make informed decisions about fertiliser and soil amendments for optimal plant growth.

Top 10 Ways Gardeners Use Equipment Finance For Growth

Equipment finance empowers gardeners to fuel their growth by acquiring essential tools and machinery. From expanding service offerings and increasing efficiency to improving quality and streamlining operations, equipment finance enables gardeners to enhance their productivity, attract new clients, and elevate their professional image, driving business growth.

Here are some common reasons Gardeners use equipment finance for growth:

Expanding Service Offerings

Equipment finance allows gardeners to invest in tools and machinery to expand their service offerings, such as adding landscaping or turf instalation to their repertoire.

Increasing Efficiency

With the help of equipment finance, gardeners can acquire advanced equipment like automated irrigation systems or high-capacity mulchers, enabling them to work more efficiently and complete projects in a timely manner.

Enhancing Productivity

By utilising equipment finance, gardeners can invest in equipment like ride-on mowers or powered sprayers, boosting their productivity and allowing them to take on larger projects.

Improving Quality

Gardeners can use equipment finance to purchase tools such as precision pruning shears or mulchers with specific capabilities, enabling them to deliver higher-quality services to their clients.

Expanding Client Base

With access to equipment finance, gardeners can invest in marketing initiatives, such as digital advertising or professional signage, to reach a broader audience and attract new clients.

Upgrading Outdated Tools

Equipment finance provides gardeners with the opportunity to replace outdated machinery and tools, ensuring they have access to modern, reliable equipment that meets industry standards.

Reducing Downtime

By financing backup equipment or investing in maintenance tools, gardeners can minimise downtime caused by equipment failures or breakdowns, allowing them to stay on schedule and meet client expectations.

Streamlining Operations

Gardeners can use equipment finance to invest in software systems or inventory management tools, streamlining administrative tasks and improving overall business operations.

Promoting Safety

With equipment finance, gardeners can acquire safety equipment such as personal protective gear or ergonomic tools, fostering a safe working environment and reducing the risk of injuries.

Enhancing Professional Image

Gardeners can use equipment finance to invest in branded vehicles, uniforms, or equipment branding, presenting a professional image that inspires trust and confidence in potential clients.

Ready to run the numbers?

Calculate your repayment estimates and more.

Advantages of Equipment Finance for Gardeners

Equipment finance for Gardeners in Australia brings several advantages, enabling them to secure the necessary equipment for their operations. Here are some of the advantages:

Specialised Gardening Tools

Access to high-quality gardening tools is crucial for Gardeners in Australia to maintain pristine landscapes and gardens. Equipment finance allows Gardeners to acquire specialised tools without a substantial upfront cost. From hedge trimmers and lawnmowers to leaf blowers and chainsaws, Gardeners can easily obtain the necessary equipment to enhance their productivity and efficiency.

Irrigation Systems

Efficient irrigation plays a vital role in maintaining healthy plants while conserving water. Gardeners can benefit from equipment finance to instal or upgrade irrigation systems, including sprinklers, drip irrigation, and smart controllers. By investing in modern, water-saving systems, Gardeners can ensure optimal plant health and minimise water wastage, especially in Australia's drier regions.

Landscaping Machinery

Landscaping projects often require heavy machinery and equipment such as mini loaders, excavators, and bobcats. Equipment finance provides Gardeners the opportunity to access and utilise these tools without substantial upfront costs. With the right machinery at their disposal, Gardeners can complete tasks such as earthmoving, trenching, and levelling surfaces more efficiently, saving time and effort in the process.

Greenhouse and Nursery Equipment

For Gardeners involved in greenhouse cultivation and nursery businesses, equipment finance is essential for obtaining equipment such as climate control systems, propagation tools, and lighting solutions. These investments ensure optimal growing conditions for plants, leading to improved productivity and higher-quality crops. By utilising equipment finance, Gardeners can keep their operations up-to-date and competitive in the industry.

Disadvantages of Equipment Finance for Gardeners

When considering equipment finance for Gardeners in Australia, it's important to be mindful of a few considerations. Here are a few potential disadvantages to think about:

Financial Obligations

Navigating equipment finance requires careful financial planning and budgeting. Gardeners should consider the monthly payments, interest rates, and potential fees associated with the financing options. While equipment finance provides access to necessary tools, it is important for Gardeners to assess their financial stability and ensure they can comfortably meet the repayment obligations.

Depreciation of Equipment

Equipment used in gardening and landscaping may experience depreciation over time. Gardeners should be aware that financed equipment may lose value during the repayment period. It is essential to consider the expected lifespan of the equipment and its potential resale value when deciding on equipment finance.

Technological Advancements

The gardening and landscaping industry continues to evolve, introducing new technologies and equipment. Equipment financed today may become outdated or less efficient in the future. Gardeners should carefully evaluate the longevity of the equipment and assess whether future advancements could render the financed equipment less advantageous over time.

Repairs and Maintenance

Owning equipment comes with the responsibility of regular maintenance and occasional repairs. Gardeners should be mindful of the potential costs associated with maintenance, servicing, and any unexpected breakdowns. While equipment warranties and insurance can help alleviate some expenses, Gardeners should have a contingency plan and budget in place to handle unforeseen repair or maintenance costs.

Equipment Financing Alternatives for Gardeners

Gardeners have several alternatives to traditional equipment finance, including equipment rental, lease-to-own programmes, purchasing secondhand equipment, and exploring bartering and collaborative arrangements. These options provide flexibility, cost-effectiveness, and opportunities to access the necessary tools without the need for extensive financing.

Here are some common alternatives to equipment finance:

Equipment Rental

Gardeners can opt for equipment rental services where they can access the required tools and machinery on a short-term basis. Rental options allow Gardeners to use the equipment without the need for long-term financing or ownership. This is a convenient alternative for occasional or seasonal tasks, providing flexibility and cost-effective solutions.

Lease-to-Own Programs

Lease-to-own programmes offer Gardeners the option to gradually acquire ownership of the equipment they need. Through structured lease agreements, Gardeners can make regular payments towards the equipment's purchase price while having the flexibility to upgrade or return the equipment at the end of the lease term.

Secondhand Equipment

Purchasing secondhand equipment can be a cost-effective alternative for Gardeners. There are various platforms and vendors that offer pre-owned gardening equipment at a lower cost. By carefully inspecting the equipment's condition and functionality, Gardeners can acquire the tools they need at a reduced price without the need for extensive financing.

Bartering and collaborative Arrangements

In some cases, Gardeners may explore bartering or collaborative arrangements with other professionals or businesses. This can involve exchanging services, sharing equipment, or pooling resources. By establishing mutually beneficial relationships, Gardeners can access the necessary tools and equipment without the need for extensive financing, reducing financial burdens.

Equipment Finance Repayment Calculator

To estimate your monthly repayments and the total cost of the loan, input the loan amount, loan term and interest rate into the calculator below. This helps you plan your budget and choose the most suitable loan terms.

Loan Amount
Establishment Fee
Loan Term (Years)
Interest Rate
Total amount to repay
Your repayments

Balance over time

Frequently Asked Questions

Still have questions about equipment finance?

These helpful FAQs will help you find the answers you need. If you can't find what you're looking for, you can request a callback below.

What is the interest rate on equipment finance
Can I finance used equipment?
What is the typical term for equipment finance?
Do I need to provide a down payment?
Can I get equipment finance with bad credit?
Are there any tax benefits to equipment finance?
Can I pay off my equipment loan early?
Can I lease equipment instead of buying?
What is the difference between a lease and a loan?
What happens if the equipment breaks down?
Can I refinance equipment finance?
Is equipment insurance required?
Do I need a good business credit score for equipment financing?
Can I include installation, maintenance, and other costs in my loan?