Chippers and chip trucks
The single piece of kit that decides whether a crew clears a site in one day or three. Financed with the truck it tows behind.
Tree service and arboriculture
Equipment finance for tree services
Chippers, chip trucks, climbing and rigging gear, and the loader that clears the lot. Built Capital arranges the funding, and on lease-to-own we can set payments to ease through your quiet months.
Booked work
Removals, pruning, lot clearing. Scheduled weeks ahead, priced on your terms, and it fills the calendar.
Storm work
The phone starts at six in the morning after a windstorm and does not stop. You either have the truck and the chipper that day, or the job goes to whoever does.
What we finance
The gear a tree business is built on
Climbing, rigging and saws
Ropes, harnesses, rigging hardware and the saw inventory that keeps a crew working when one goes down mid-job.
Loaders and lot clearing
The machine that takes you from single removals into lot clearing and land work, where the tickets are larger and the season runs longer.
The part other lenders will not do
Payments that ease through the quiet months
Tree work is lumpy. A good windstorm can pay for a quarter, and then February is quiet. Most equipment lenders write twelve equal payments, so the size of the outfit ends up set by February rather than by the work you can win.
On lease-to-own we can structure payments to ease through the slow stretch and pick back up when the calendar fills. It is arranged on the file, before you sign. The term ends at a $20 buyout and the payments may write off.
Also on the table
Three other things tree services come to us for
- The second crew and truckStorm weeks are the ones you cannot scale into. A second setup turns the calls you currently refer out into work you keep.
- A corporation under two years oldA lot of tree businesses start with one climber and a saw, and year one is when they buy the most. Lenders read the directors, so a young corporation is often straightforward to place.
- Working capital for payrollCrew wages in the weeks before invoices land. Separate from the equipment, and it does not have to wait on an asset purchase.
Who this is for
Built for outfits growing past one crew
- Taking storm work you now turn downThe six in the morning call goes to whoever is equipped. Being that outfit is a buying decision.
- Adding a truck or a second crewOne climber and a chipper is a ceiling. The second setup is what lifts it.
- Moving up to lot clearingLoaders and grapples open work that saws and a chipper alone cannot reach.
Tell us what you are buying and how your year runs
Leave your details and Built Capital calls you back. No application to fill in first, and nothing is pulled on your credit until you say so.
Start a funding conversationFunding is arranged through third-party banks and private lenders. Terms, rates, structures and approval depend on the file.
Frequently asked questions
Can I finance a chipper and the truck that tows it together?
Usually yes, and it is generally simpler than arranging them separately. The chipper, the chip truck and the rigging can go in one file.
Most of my money comes from storms. Does that count against me?
It is normal for the trade and it is not held against you, but it is worth saying out loud at the start. Lumpy revenue is exactly the case a seasonal structure is meant for.
I am one climber with a saw and a truck. Am I too small?
No. The floor is $5,000 and plenty of the operators we fund are a single crew looking at their first chipper rather than an established yard.
Used equipment?
Common in this trade and regularly placed. Age and hours affect the structure and the term rather than whether it can be arranged.
How much equipment can I carry at once?
Running more than one file at a time is normal as a fleet grows. What is realistic depends on the equipment, the directors and where the revenue is going, which is the first conversation rather than a form field.
Tree service and arboriculture
Request a callback
Leave your details and Built Capital gets back to you directly to set up a time that works for you.
- Seasonal and skip-payment structures on lease-to-own
- Year one is the sweet spot, lenders read the directors
- Banks and private lenders, so the file goes where it fits
- The first machine or the fifth, with no fixed ceiling
Send your details
Thanks, you're all set. Built Capital gets back to you directly to set things up.