The Pinch Points
Why Landscaping Contractors Come to Us Instead of Their Bank
Landscaping is the most seasonal trade in construction — slammed April to October, then a winter cash crunch the bank reads as risk. These are the spots where we get called.
Nursery Wants Prepayment
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.
Mower Down in Peak Season
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.
Hardscape Launch Capital
You want to add hardscaping — pavers, retaining walls, fire pits. Equipment and materials to launch cost $35K. The revenue potential is $15K/month but you need to invest first.
HOA Contract, Pay in Arrears
An 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.
Bank Pulled Your Winter Line
It's November, you've got 6 guys counting on paychecks through February, and revenue drops 60%. Truck payments, insurance, and payroll roll on — but the bank won't extend your line because winter deposits look thin.
Nursery Bill Due in January
Spring installs mean committing to the nursery in January — $30K in trees and material ordered before a single contract pays, so the season’s biggest jobs hinge on cash you won’t collect until April.
What an operator said
“We turned a dead November into $18K a month pivoting to snow removal — but the plows and spreaders had to come first. Funding put the gear on the trucks before the first storm.”
Brett K. · landscaping contractor · Grand Junction, CO
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Landscaping Operators
Mower Fleet & Loaders, Financed
Equipment financing puts mowers, compact track loaders, trailers, and trucks in the yard with the iron as collateral — no cash out of pocket to keep peak-season accounts covered.
Off-Season Payroll Without Layoffs
You do most of your revenue April through October, but your crew expects checks year-round. A line drawn in the fall and repaid by spring carries the off-season for a fraction of what it costs to rehire and retrain the crew you let walk.
Snow-Removal Pivot for Winter
Plows, spreaders, and crews turn a dead off-season into revenue. Equipment financing and working capital fund the winter pivot so November through February earns instead of bleeds.
Fund the Maintenance-Contract Ramp
Equipment financing funds the crew truck and gear an HOA or property-management win takes before the first cut, so you service the contract from day one even though the checks come monthly after the work.
Match Your Situation
The Cash-Flow Gaps We Fund for Landscaping
Match your situation to the structure. Every one of these funds on your revenue, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Spring equipment refresh | Mowers, trailers, attachments before the season starts | Equipment Financing | $75K–$150K | 3–5 days |
| Commercial contract ramp | HOA or property-management contract needs new crews now | Working Capital | $75K–$200K | 1–3 days |
| Hardscape material float | Pavers and retaining-wall block due before the customer pays | Working Capital | $75K–$150K | 1–3 days |
| Irrigation system inventory | Controllers, pipe, and heads for spring install season | Business LOC | $75K–$150K | 1–5 days |
| Snow-removal pivot | Plows and spreaders so the off-season earns instead of bleeds | Equipment Financing | $75K–$150K | 3–5 days |
The Products
How Landscaping Financing Is Structured
Most landscaping files fund between $75K and $5M+, structured around the season and the fleet. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Working Capital | $75K–$5M+ | 6mo–10yr | Spring materials, payroll, contract ramp | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Mowers, loaders, trailers, trucks | 3–5 days | Equipment serves as collateral |
| Business LOC | $75K–$5M+ | Revolving | Off-season payroll and seasonal swings | 1–5 days | Unsecured line, no PG by default |
| Invoice Factoring | $75K–$5M+ | Per invoice | Commercial and HOA monthly billings | 1–2 days | Invoices secure the line, no PG typically |
Tax Strategy
Section 179 on a Loader and Mower Fleet — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“Landscapers come off a strong fall cleanup and write a check to the IRS instead of buying the loader and mower fleet they need for spring. $135K in a track loader and mowers is what runs the season. Put 10% down, finance the balance, and the full $135K comes off this year's taxes. The fleet that bills all season and the tax move in one.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between a landscaping file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Landscaping Business Financing
The Most Seasonal Trade in Construction
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.
One Application, 70+ Lenders
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 review. We'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.
Common Questions
Landscaping Financing — Questions, Answered
Yes. Working capital bridges the winter gap so you keep the crews you built, repaid as spring or snow-removal revenue lands.
Yes. Install materials are a working-capital use, fronted so a big install doesn't drain you before the final payment.
Equipment financing: a fraction down, full Section 179 write-off, sized to your revenue — fleet expansion without draining the account.
Yes. Equipment and working capital for plows, spreaders, and crews so the off-season earns instead of bleeds.
$75K–$5M+, sized off your top line; larger lines when revenue, cash flow, and story qualify.
No. Revenue and bank-statement underwriting lead; soft-pull review to start, no hit to begin.
Recommended Funding
The Products That Fit Landscaping Work
Equipment Financing →
Finance zero-turn mowers, compact track loaders, and trailers with the equipment as collateral.
Working Capital Loans →
Cover seasonal material purchases for plants, soil, and hardscape before the first job starts.
Business Line of Credit →
Draw funds during winter for payroll and overhead, repay from spring revenue.
Other Construction Trades