Who we fund
Landscaping and Lawn Care Business Loans for Equipment and Seasonal Gaps
Yes, landscaping and lawn care companies can get funding, and equipment financing is usually the first stop. Many owners also keep a line of credit to carry payroll and equipment payments through the off-season and the spring ramp-up.
Get matched: landscaping
The reality
Cash-flow challenges we hear every day.
Long off-season in many regions
In colder climates, mowing and planting stop for months, but equipment loans, insurance, and some staff costs continue. Snow removal helps some companies but not all.
Spring ramp-up costs
Before the busy season, you need to hire crews, buy mulch and plants, and service equipment. That spending happens before the first spring invoices are paid.
Fleet of mowers, trucks, and trailers
Commercial mowers, skid steers, trucks, and trailers wear out quickly with daily use. Expanding to a new crew means a full equipment setup.
Commercial clients paying on terms
HOAs, property managers, and commercial accounts often pay on net-30 or longer, while residential customers pay quickly. A shift toward commercial work slows cash.
Best-fit funding
Funding that fits landscaping.
Mowers, trucks, trailers, and skid steers can be financed with the equipment as collateral, and some lenders offer seasonal payment schedules.
$10K–$5M‡2–5 days*A line of credit covers the winter months and spring ramp-up, then gets paid down when summer revenue comes in.
$10K–$500K‡1–3 days*If you service HOAs and commercial properties on terms, factoring those invoices speeds up cash for payroll and materials.
$10K–$5M‡1–3 days*Short-term working capital helps you take on a large hardscape or install job that needs materials upfront.
$10K–$1M‡24–72 hours*What lenders look for
Typical profile for landscaping.
Lenders usually review bank statements across the full year to understand seasonality, along with time in business and the owner's credit. Recurring maintenance contracts can help show steady revenue.
Common uses of funds
- Buying commercial mowers, trimmers, and blowers
- Adding trucks and trailers for a new crew
- Buying skid steers or mini excavators for hardscape work
- Covering payroll and loan payments in the off-season
- Buying spring materials like mulch, sod, and plants
- Adding snow plows to earn winter revenue
Can I get seasonal payments on landscaping equipment?
Some equipment lenders offer seasonal or skip-payment schedules that lower payments in the off-season. Ask about this when comparing offers.
How do lawn care companies get through winter?
Many keep a line of credit for the off-season, add snow removal or holiday lighting work, or build reserves during summer.
Can a new landscaping business finance equipment?
Yes, newer businesses can often qualify for equipment financing because the equipment secures the loan, though a larger down payment may be needed.
Do lenders view recurring maintenance contracts favorably?
Generally yes. Signed maintenance agreements show predictable revenue, which can support a line of credit or term loan application.
Funding for landscaping, matched in minutes.
- Decisions in as little as 24 hours*
- $10K–$5M+ across 10 products
- No hard credit pull to apply
- One dedicated funding advisor