Wood Chipper Financing for Tree Service Companies and Arborists

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Chippers are core production equipment — and First Financial LLC structures financing programs specifically for tree care businesses that need to put one to work without draining their operating cash.

Keep Your Cash in the Business Where It Belongs

A commercial-grade chipper can run anywhere from $15,000 for a solid used unit to well over $100,000 for a large-capacity drum chipper. Paying that out of pocket means pulling money away from payroll, fuel, and the jobs already on your schedule. Financing spreads that cost into predictable monthly payments so your crew stays paid and your operation keeps moving.

 

Whether you're adding a first chipper, replacing an aging unit, or expanding to a second machine so you can run two crews simultaneously, a financing program built for tree care gives you a path to the equipment without the cash crunch.

Equipment We Finance in This Category

We work with a wide range of chipper types used in professional tree care and land-clearing operations, including:

 

  • Disc chippers
  • Drum chippers
  • Hydraulic chippers
  • Towable chippers
  • Self-propelled chippers
  • High-capacity commercial chippers for large tree service operations

 

We finance both new equipment from dealers and used chippers purchased through dealers or private sellers. If the machine is going to generate revenue for your business, we want to help you get into it.

Credit-Friendly Programs Built for Tree Care Operators

Tree service businesses don't always fit the mold that traditional lenders expect. Seasonal revenue, job-to-job cash flow, and years of working without formal business credit can make bank financing frustrating or flat-out unavailable. Our programs are structured differently.

 

We look at the full picture of your business — not just a credit score — and we work with operators starting around the mid-500s credit range. Whether you're a solo arborist building your equipment base or a multi-crew operation looking to add capacity, there's a program worth exploring.

  • What credit score do I need to finance a wood chipper?
    We work with business owners starting around the mid-500s credit range. Credit score is one factor we consider, but we look at your overall business situation rather than relying on a single number to make a decision.
  • Can I finance a used chipper, or only new equipment?
    We finance both new and used chippers. Whether you're buying from a dealer or a private seller, we can work with you on a financing structure for the equipment you've found.
  • How long does the approval process take?
    Most applications move quickly. Once you submit, our team reviews your information and comes back to you with available program options. We aim to keep the process straightforward so you can focus on your business.
  • Do you finance chippers for solo operators, or only established companies?
    We work with solo arborists and owner-operators as well as larger tree service companies. If you're running a legitimate tree care business and need equipment to do the work, we want to hear from you.