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. No credit impact.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · 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.
What You're Up Against
The Real Challenges Landscapings Face
Pricing Transparency
What Landscaping Funding Actually Costs
Rates vary by credit, revenue, and time in business. These are typical ranges.
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, Basecamp Funding - Founder
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Application
Answer a few quick questions about your business. No documents needed yet.
Soft Credit Check
We check your options with zero impact on your FICO. Your score stays untouched.
Lenders Compete Behind the Scenes
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
One Specialist, Multiple Offers
Your funding specialist presents your best options. No spam calls. No runaround.
Pick Your Offer & Get Funded
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
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 credit profiles.
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
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling.
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
No hard credit pull · 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 $10M+
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. No hard credit pull. 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 Waiting on Banks. Get Your Landscaping Business Funded Today.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide