Construction & Trades
Business Funding for Landscaping Companies
Landscaping is one of the most seasonal businesses in the trades. Revenue drops sharply in winter for most markets, but your truck payments, equipment loans, and key employees still need to be paid year round. Spring is when you need capital most, because that is when you are buying plants, mulch, and soil in volume while waiting for the first round of invoices to come in.
Common Uses
What Landscaping Companies Use Funding For
- Purchase zero-turn mowers, compact loaders, and trailer upgrades before spring season
- Stock bulk materials like sod, pavers, retaining wall block, and mulch
- Cover crew wages during winter months to retain trained workers
- Add snow removal equipment to generate off-season revenue
Funding Options
Best Funding Types for Landscaping Companies
Seasonal Business Loans
Borrow before the busy season and structure payments around your revenue cycle. Many lenders offer reduced or deferred payments during winter months for landscaping companies with documented seasonal patterns.
Equipment Financing
Finance mowers, skid steers, and trailers over 3 to 5 years. Landscaping equipment depreciates predictably, and lenders specializing in this space know exactly what it is worth.
Business Line of Credit
Maintain a credit line you can tap for material purchases, fuel, and payroll when cash is tight. Only pay interest on what you draw, and replenish the line as client payments come in during peak months.
What Lenders Look For
Qualification Notes for Landscaping Companies
Related Industries
Related Construction & Trades Funding
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