Landscaping is a seasonal, equipment-driven business — you gear up in spring, run flat-out through summer, then carry costs through a slow winter. Landscaping business loans smooth those swings, funding the equipment and crews you need in-season and the working capital to bridge the off-season.
What landscapers fund
- Equipment — mowers, trimmers, trucks, trailers and skid steers.
- Seasonal ramp-up — hire and buy materials before revenue rolls in.
- Payroll — keep good crews through the season and slow months.
- Expansion — add services like hardscaping, irrigation or snow removal.
Funding options
Equipment financing for mowers and trucks with low or no money down. Short-term working capital for the seasonal ramp-up — no minimum credit score on many programs. Lines of credit to draw on as jobs come in. A no-cost advisor finds your best fit.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | As little as 4 months (equipment: no minimum) |
| Monthly revenue | $10,000+ in deposits |
| Credit score | No minimum on many programs |
| Documents | 1-page application + 4 months bank statements |
Frequently asked questions
How do I finance landscaping equipment?
Equipment financing covers mowers, trucks and trailers with low or no down payment, secured by the equipment.
Can I get funding for the slow season?
Yes — short-term working capital and lines of credit carry you through winter, repaid as the season ramps back up.
Do I need great credit?
Many programs are revenue-based with no minimum FICO, approving on your deposits instead.