Capital for your landscaping business — Landscaping Equipment Capital
We connect lawn care contractors with lenders offering commercial mower loans and working capital to manage seasonal cash flow.
Soft credit inquiry only. Checking rates does not affect your score.
- Skid steer
- Section 179
- Zero down
- Working capital
- Seasonal cash flow
- Commercial mower
- Equipment lease
- Soft credit pull
Commercial equipment financing and business credit for landscaping and lawn care contractors
Financing options matched to your situation, in one place.
- EQUIPMENT Commercial equipment financing Purchase mowers, loaders, or trailers with fixed monthly payments.
- LEASING Heavy machinery leasing Preserve cash by leasing equipment with potential tax advantages.
- CAPITAL Business lines of credit Maintain liquidity for payroll and fuel costs during off-seasons.
- FUNDING Working capital loans Fast business loans for immediate growth or equipment repair costs.
- $10K–$500K Funding amounts available
- 24–48 hours Typical approval time
- 0 down Available on select leases
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Speed of funding
- Most lenders issue decisions within 48 hours.
- Paperwork is minimized for repeat borrowers.
Flexible structure
- Choose between equipment loans or working capital.
- Flexible terms fit your seasonal income cycle.
Data security
- Soft credit inquiries protect your rating.
- Data is shared only with verified lending partners.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Insufficient commercial history
Banks often require five years of clean financials.
Seasonal income gaps
Traditional banks flag low winter revenue as high risk.
Limited credit profile
Big banks reject applicants with credit scores under 700.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Mid-sized lawn care owner
Buying a new commercial zero-turn mower fleet
Hardscaping contractor
Adding a new skid steer for spring projects
Landscaping business owner
Covering off-season payroll and fuel expenses
Commercial groundskeeper
Purchasing heavy machinery to bid on state contracts
Commercial insurance for contractors
Ensure your new assets are protected against theft, damage, and liability with specialized landscaping insurance policies from our partners.