Quick answer: Landscaping companies most often use equipment financing for mowers, trucks, trailers and skid steers, a line of credit to cover payroll and materials in early spring and through the winter, and a term loan to add crews or services. Established landscapers with steady seasonal deposits can often be funded the same day by a non-bank lender.
Why landscaping businesses need financing
Landscaping revenue peaks from spring through fall and drops sharply in winter, while equipment payments, insurance and key staff continue. Spring startup costs — materials, fuel, equipment repairs and hiring — hit before the first invoices are paid.
Common uses for landscaping financing
- Commercial mowers, trailers and trucks
- Skid steers, excavators and hardscape equipment
- Spring startup materials, fuel and repairs
- Hiring and training seasonal crews
- Adding snow removal or hardscaping services
- Covering winter payroll and equipment payments
Financing options for landscaping businesses compared
| Option | Best for | Speed |
|---|---|---|
| Equipment financing | Mowers, trucks, trailers, skid steers | A few days |
| Line of credit | Spring startup and winter cash flow | 1–3 days |
| Term loan | New crews, new services, expansion | Same day to 2 days |
| SBA loan | Buying a company or property | Several weeks |
What lenders look at for landscaping businesses
Lenders look at your average monthly deposits across the year, the strength of your busy season, commercial contracts and existing equipment payments.
What you need to qualify with Brookestone Funding
- 2+ years in business
- $30,000+ in monthly revenue
- 600+ credit score
- Recent business bank statements
Qualified landscaping businesses can borrow $10,000 to $2,000,000 with terms up to 36 months and rates starting at 8%. Complete applications submitted early in the day can be funded the same day.
Tips before you apply
- Apply in late fall or winter, when bank statements still show your busy season.
- Line up commercial maintenance contracts — they show steady revenue.
- Consider adding snow removal to smooth out winter income.
- Compare offers on the total amount you’ll repay, not just the rate, and size the payment to your slowest month.
Related Guides
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- Manufacturing Business Loans: Financing for Equipment, Materials and Large Orders
- Same-Day Business Loans: How They Work and How to Get Funded Today
- Can You Get a Business Loan With a 600 Credit Score? Yes — Here’s How
- Business Loan Documents Checklist: What You Need to Apply
Frequently Asked Questions
Can a landscaping business get a business loan with a 600 credit score?
Yes. Brookestone Funding works with landscaping businesses that have a 600+ credit score, 2+ years in business and $30,000+ in monthly revenue.
How fast can a landscaping business get funded?
Qualified landscaping businesses can often be funded the same day with a business term loan, or within 1–3 days with a line of credit, once the application and recent bank statements are complete.
How do landscaping companies get through the winter?
Many use a business line of credit to cover winter payroll and equipment payments, then repay it during the spring and summer busy season.
What is the best way to finance landscaping equipment?
Equipment financing is usually best for mowers, trucks and machinery, since the equipment secures the loan.
Ready to see what your landscaping business qualifies for? Brookestone Funding offers business term loans, lines of credit and SBA loans from $10,000 to $2,000,000, with same-day funding available for qualified businesses. Apply in minutes, see our business loan options, or call 212-258-0602.
