This Is Why You're Here
Why Landscapings Come to Us Instead of Their Bank
Spring hit and you booked $200K in landscaping contracts. But you need $40K in plants, soil, and hardscape materials before the first job starts. Your nursery supplier wants prepayment.
Your 72-inch zero-turn blew a hydro pump. Repair is $6K, replacement is $18K. You have 14 mowing accounts this week and every day without that mower costs $800.
You want to add hardscaping to your services — pavers, retaining walls, fire pits. Equipment and materials to launch cost $35K. The revenue potential is $15K/month but you need to invest first.
A HOA offered you a $110K annual maintenance contract — mowing, trimming, irrigation. You need a second crew truck, trailer, and mower set for $28K to service the property. The HOA pays monthly in arrears.
It's November and you've got 6 guys counting on paychecks through February. Revenue drops 60% but truck payments, insurance, and payroll cost $18K/month. Your bank won't extend your line because winter deposits look thin.
Used $35K to add hardscaping services — pavers, retaining walls, fire pits. Paid it back in 4 months from the new revenue. Best decision I made all year.
Terrence J., Landscaping Contractor, Charlotte, NC
Landscaping Financing
Get Your Landscaping Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Built for Your Business
Why Landscaping Businesses Choose Basecamp
Winter Payroll Bridge Built for You
You do 80% of revenue April through October but your 6-man crew expects checks year-round. A $40K line of credit drawn in November and repaid by May costs about $2K in interest. That's cheaper than rehiring in spring.
Mower Fleet Financing Same Week
A 72-inch zero-turn is $18K and every day without it costs $800 in lost mowing accounts. We finance mowers, skid steers, and trailers with the equipment as collateral — no cash out of pocket.
Hardscape Launch Capital Ready
Adding pavers, retaining walls, and fire pits means $35K in saws, compactors, and initial materials. The revenue potential is $15K/month but you need to invest first. We fund the startup cost.
Spring Material Orders Covered
You booked $200K in spring contracts but nursery stock, soil, and sod cost $40K before the first job starts. Your nursery wants prepayment. We bridge the gap between your order and your first invoice.
Bobby's Take
Bobby's Playbook for Landscaping
Most landscaping contractors walk into a bank and get evaluated against a 5-year operating-history checklist — not the peak-summer install backlog plus contract-maintenance recurring revenue they actually have right now. Lenders who specialize in landscaping contractors look at the work in front of you, not the work behind you. They underwrite your seasonal cycle and recurring-route maintenance contracts. Here's how to position your transaction so the right specialists see it first.
Three things determine whether a landscaping contractor transaction closes: trailing 12-month revenue (not just last quarter), contract-maintenance versus one-off install revenue mix, and your snow-removal or off-season revenue base. Not your personal FICO. Not your time in business. Specialist landscaping lenders care about whether your annualized revenue supports a $1,200-$2,800/month payment — and whether your contract-maintenance base gives the file year-round recurring revenue.
The biggest mistake landscaping contractors make: applying for financing in February when the last 4 months of bank statements show off-season slowdown. The lender sees the dip and underwrites to it. The fix: time the application after the May-October peak season, OR submit trailing-12-month figures showing the full annual cycle. Specialist landscaping lenders pattern-match seasonal cycles. Generalist lenders look at the last 4 months and assume that's the run rate.
commercial-maintenance contract revenue lost without crew capacity
Where this gets interesting at scale: a landscaping contractor adding a mower or skid steer, expanding into commercial maintenance, or adding snow-removal capacity doesn't need ONE loan. They need equipment financing for the new equipment + a working capital line for seasonal payroll and material inventory + sometimes a SBA 7(a) for a yard or warehouse. Three products, three lenders, one application — that's how single-truck landscaping shops scale into commercial-maintenance operations.
The landscaping contractors who scale fastest aren't the ones who waited until peak season cash hit before adding capacity. They're the ones who had crew and equipment ready when commercial-maintenance contracts opened in spring. Turning down a $80K-per-year commercial-maintenance contract because you can't add a crew is recurring revenue going to competing shops. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your landscaping business this week.
Bottom line:
Landscaping contractors get underwritten on February statements when contract maintenance is the year-round recurring base. Submit trailing 12 or work with a specialist who pattern-matches the seasonal cycle.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Landscapings Face
Pricing Transparency
What Landscaping Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
Section 179 Breakdown for Landscapings
Finance the equipment. Keep your cash. Take the deduction. Your skid steer + attachments costs $39,000 after taxes and you never touched your reserves.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your trade, current jobs, and bid pipeline. No bonding docs yet.
Soft Credit Screen
We screen options with zero impact to your FICO or bonding capacity.
Construction-Specialty Lenders Compete
70+ lenders who underwrite GCs, electricians, plumbers, and concrete contractors review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through structures, draw schedules, and how each affects your bonding line.
Choose Your Offer, Sign, Get Funded
E-signature. Funds land in time to cover materials and crew before the first draw.
Landscaping Capital Uses
What Landscaping Businesses Use Funding For
Payroll & Operations
Bridge cash flow gaps. Keep crews paid when receivables run 30-60-90 days.
Job Mobilization
Fund upfront costs — materials, permits, equipment rental — before first draw.
Scale & Win Bigger Jobs
Take on larger contracts. Expand territories. Hire key staff.
AI & Technology
Drones, AI estimating, GPS fleet tracking, project management tools.
Equipment & Vehicles
Excavators, dump trucks, skid steers. Finance or lease — all established businesses.
Marketing & Branding
Truck wraps, websites, Google Ads. Build the brand that wins contracts.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
Need commercial insurance for your landscaping business?
Your lender will require proof of general liability and workers' comp before funding equipment over $50K. Our sister company InsuranceService365.com binds contractor policies same-day across 29 states — so insurance never holds up your funding.
Don't Wait Until You Need Funding to Get Funded
GC payments are net-30/45/60 by industry default. The contractors who win on price are the ones with capital to mobilize before the first draw. The contractors who win on schedule funded BEFORE the job started — not after the supplier called about a past-due invoice. Pre-qualify when the bid pipeline is steady.
Ready?
See What Your Landscaping Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Other Contractors Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Landscaping Businesses
Working Capital
Bridge payroll and materials between draw payments. Fund in 24 hours.
Learn More →Equipment Financing
Finance excavators, trucks, and tools — the equipment is the collateral.
Learn More →Business Line of Credit
Draw for materials when you need them, repay when the GC pays.
Learn More →Invoice Factoring
Convert 30-90 day receivables into same-day cash.
Learn More →FAQs
Landscaping Business Loan FAQs
Landscaping Business Loans — $10K to $20M+
Look — landscaping is the most seasonal business in construction. You're slammed from April to October and then December hits and your bank account looks like a parking lot. But your 6 guys still need paychecks, your truck payments don't stop, and your insurance is due in January. I talk to landscapers every winter who are 30 days from laying off their whole crew. A $40K line of credit opened in August fixes that.
We fund landscapers — mowing operations, hardscape crews, irrigation companies, full-service landscape contractors — in as little as 24 hours. One application. 70+ lenders. Soft-pull pre-qual. I've funded $18K zero-turn replacements, $35K hardscape launch packages, $40K spring material orders, and $75K winter bridge lines. Your recurring maintenance contracts are real revenue — our lenders get that even when your January deposits look thin.
Stop Letting Slow GC Draws Park Your Crew. Get Your Landscaping Business Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide