Funding built for landscaping companies
Hire and equip crews before spring, buy materials for the big install, or carry the business through winter. Get matched with working capital and equipment financing options sized to your revenue.
Free · No obligation · No hard credit pull from us
Landscaping spends first and bills later. Crews, mowers, mulch and fuel are paid for in March and April; maintenance contracts and install invoices start paying in May. Then the season ends and the truck payments don't. Banks want two years of tidy financials and several weeks to decide, which doesn't help when the hiring window is right now.
We match landscaping companies with providers who fund seasonal trades: working capital advances sized to your bank deposits, equipment financing for mowers, trucks and trailers, and lines of credit for businesses with longer history. You tell us about the business once; we route the file to criteria you fit instead of blasting it everywhere.
What landscaping businesses fund
Spring startup
Hire, insure and equip crews in the weeks before the first invoices go out.
Mowers & equipment
Zero-turns, skid steers, aerators and attachments — finance the machines that let a crew finish more properties.
Trucks & trailers
Add or replace vehicles without draining the operating account at the start of the season.
Materials for installs
Buy stone, pavers, plants and irrigation for hardscape and planting jobs before the progress payment lands.
Payroll
Keep good crew leaders paid through wet weeks and shoulder months.
Snow removal
Plows, spreaders and salt bought in the fall, paid for by winter contracts.
Off-season cash flow
Cover insurance, loan payments and overhead when the mowing stops.
Marketing before the season
Spend on mailers and ads in February, sign the maintenance contracts in March.
Check your options now
Takes a few minutes. Free, no obligation, no hard credit pull from us.
About you
What funders actually look for in a landscaping file
The first thing an underwriter reads is your business bank statements — usually the last three months. They're looking at average daily balance, deposit consistency, and how often the account dips negative. For a seasonal business the timing of the application matters: three months ending in February look very different from three months ending in July.
Providers who fund landscapers know that. Expect to be asked for more history — often six to twelve months of statements — so the season is visible, and bring your maintenance contracts if you have them. Recurring contract revenue and snow-removal income in winter both strengthen a file. What hurts it is an existing advance you didn't mention. Disclose everything upfront.
Working capital vs. equipment financing — which fits the job?
Match the money to how long the purchase pays you back. Spring payroll, mulch, plants and stone for a signed install turn into invoices within weeks — that's short-cycle spending, and short-term working capital can make sense even at a higher cost. A zero-turn, a skid steer, a dump truck or a trailer earns over years, and belongs in equipment financing where the term matches the machine's working life and the rate is typically lower.
Watch the term against your calendar. Short-term funding taken in March should be mostly repaid out of peak-season revenue. A daily payment that is still running in December, when deposits are a third of July's, is the mismatch that hurts landscapers most.
Funding estimate calculator
A rough range based on typical provider criteria — an estimate, not an offer.
Landscaping funding questions
How fast can a landscaping business get funded?
Many funding partners can review a file and fund within 1–3 business days once your documents are in — usually 3 months of business bank statements, sometimes more for seasonal businesses. Timing varies by provider and underwriting.
Can I get funding in the off-season or early spring?
Seasonality is normal in landscaping and many providers underwrite around it. Statements covering last season, signed maintenance contracts and winter income such as snow removal all help offset slow months.
Do I need perfect credit?
No. Many working-capital providers weigh business revenue and bank activity more heavily than personal credit. Options and pricing vary with your profile.
Can I finance a mower or truck and cover payroll at the same time?
Yes — that's common. You can be matched with a mix of products, like equipment financing for the machine plus working capital for crews and materials.
How much funding can a landscaping business qualify for?
For working capital, most providers size offers off verified bank deposits — commonly in the neighborhood of 50–120% of your average monthly revenue, adjusted for balance history and existing obligations. Equipment financing is sized to the equipment itself. Statements set the real number.
Is a merchant cash advance a good idea for a landscaping company?
It depends on the use and the timing. Revenue-based advances are fast but cost more than bank credit — they fit spending that turns into invoices quickly, like materials and crews for signed work, and fit poorly as long-term debt or as a payment that runs into winter. If your timeline allows a cheaper product, we'll match you there instead.
See your landscaping funding options
Two minutes to check. Free, no obligation, and no hard credit pull from us.