Stump Grinder Financing

Finance self-propelled, tracked, and tow-behind stump grinders with teeth and cutter wheel wear priced into the term. Representative example: a $75,000 stump grinder runs about $1,400/month.*

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The Stump grinder Reality

Every removal leaves a stump, and the crew that subcontracts the grinding hands away the easiest margin on a job it already won. A grinder doesn't win new customers — it finishes the ones on the schedule, which makes the payback countable in a way most equipment purchases aren't. The trap is treating teeth and cutter wheel as maintenance: on a machine working daily they're a monthly cost, and a term set on book life alone ignores the number that actually decides whether the machine clears.

Built for This Asset

Structures priced by people who know what a stump grinder earns and how it holds value — not a generic credit box.

Landscaping & Tree Care Expertise

Part of our Landscaping & Tree Care vertical: payment structures matched to how this industry's revenue actually arrives.

Backed by $1B

A $1B forward flow agreement with TPG gives Elevex institutional capital strength with entrepreneurial speed.

What We Finance

Self-propelled and tow-behind stump grinders
Tracked units sized for backyard and gate access
Large-diameter and municipal-class machines
Cutter wheels, teeth, and pocket systems
Used and off-rental grinders valued on wheel and engine condition
Grinder and chipper crew packages financed together

Payment Structures

The differentiation: four ways to own the same equipment, engineered to your cash flow. Compare them side by side on our structures page.

Operating Lease

Off-balance-sheet treatment with end-of-term flexibility — return, renew, or purchase. Often the right answer when technology cycles or accounting outcomes drive the decision.

$1 Buyout Lease

Own the equipment for one dollar at term end. Fixed payments, full Section 179 eligibility, and a clean path to ownership.

Seasonal & Step Payments

Payments that follow your revenue curve — lighter in slow months, heavier in peak season, or stepping up as new equipment ramps to full production.

Usage-Based & As-a-Service

Payments tied to hours, output, or consumption. The category Elevex is defining: pay for what equipment achieves, not what it costs.

Learn more about financing structures

How It Works

Three steps from quote to funded.

1 · Apply in Minutes

Application-only to $1,000,000 — no tax returns or financials below that threshold. Have your equipment quote, auction listing, or build spec ready.

2 · Structure Together

A finance professional (not a portal) walks the structure options — term, seasonality, end-of-term — and prices the deal to your cash flow.

3 · Fund in 24–48 Hours

Most transactions fund within 24–48 hours of signed documents. Your vendor gets paid; you get to work.

Common Questions

How do crews evaluate bringing grinding in-house?

Against what subcontracting it currently costs on removals already on the schedule — arithmetic a crew can run from its own job history rather than a projection about work it hasn't won. The grinds per month you can already count is the number any payment conversation should be sized against.

How do teeth and cutter wheel costs factor in?

As an operating cost rather than a financed asset, but they belong in the arithmetic. A machine working daily consumes teeth at a rate that shows up monthly, so net revenue per grind is the honest basis for the decision rather than the gross number.

Can I finance a used stump grinder?

Yes — used stump grinder financing is standard business, whether the unit comes from a dealer, an auction, or a private seller. We value working assets on condition and remaining service life, not a blanket age cutoff, and set terms the equipment can actually support.

Does a stump grinder qualify for Section 179?

Most business-use equipment placed in service this tax year qualifies for Section 179 expensing, financed or purchased outright — often meaning the first-year deduction outruns your first-year payments. Run your numbers on our Section 179 calculator and confirm specifics with your tax advisor.

How fast can stump grinder financing close?

Application-only decisions to $1,000,000 come back in minutes for qualified credits, and most deals fund within 24–48 hours of signed documents. Apply online with your quote to start.

Ready to finance your stump grinder?

Payments built on outcomes, from the team that knows your industry. Equipment sellers: offer financing at the point of sale with CapVex.

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