Seasonal working capital and crew payroll funding for landscaping and lawn care businesses.
We fund landscaping & lawn care businesses across the country. One application gets your file in front of 70+ lenders competing to offer you the best terms — no collateral required, all credit profiles considered.
Landscaping businesses concentrate roughly 65–80% of annual revenue between April and October, with the bulk in June-August. December and February can run at 10–20% of peak monthly revenue. Snow removal contracts help in some markets but rarely fully offset summer-skewed cost structures. The seasonality combined with equipment-heavy operations creates a specific funding pattern: buy equipment before peak season, use working capital to bridge the slow months, repay aggressively from the spring/summer cash gusher.
Landscaping is equipment-heavy — trucks, mowers, trailers, skid steers, dump bodies, salt spreaders — so equipment purchases are a common use of funds. The landscaping funding mix tilts toward LOCs for cash management and MCAs for emergency working capital during off-seasons. SBA 7(a) fits established operators acquiring smaller competitors or buying property for their yard.
| Product | Fit | Notes |
|---|---|---|
| Line of Credit | For seasonality | Draw during slow months, repay during peak. 14–22% APR. Best for 2+ year operators with 650+ FICO. |
| Working Capital MCA | Off-season bridge | For 6mo+ TIB operators. Funds 24–72hr. Repayment matched to cash flow if structured well. |
| Term Loan | For acquisitions | Acquiring another landscaping company, buying yard property. 11–22% APR depending on credit. |
| SBA 7(a) | Best for >$250K | Acquisitions, yard real estate, fleet expansion. 9.75–13.25% APR. 45–90 day underwriting. |
| Invoice Factoring | Commercial only | For B2B commercial landscaping (HOAs, property managers). Bridges net-30/45. Less common in landscaping than other service industries. |
The 6 most common capital deployments we see across our landscaping clients, with the funding product that fits each.
New mowers, trimmer fleet, replacement truck. Typical $20K–$150K. Term loan — fixed payments over 36–72 months.
Plows, salt spreaders, possibly dedicated trucks. Term loan or short-term LOC.
Keeping crew employed through Dec-Feb to retain for spring. $25K–$100K. LOC if pre-approved is best; MCA if not.
Roll-up of $400K–$1.5M revenue landscaping company. SBA 7(a) for cheapest.
Buying the equipment yard or commercial property you've been renting. SBA 504 if real estate.
Adding hardscaping, irrigation, or tree services. Equipment + marketing. Term loan + small LOC combo.
Beyond the standard credit + revenue + time-in-business thresholds, landscaping businesses face industry-specific underwriting variables.
Difficult. Most lenders want 6+ months of bank statements showing real revenue. Pre-revenue landscaping businesses typically fund through personal credit cards, friends-and-family, or SBA Microloans. Once you're past 6 months and 1 full season with $10K+ monthly deposits, the broader funding market opens.
Sometimes. MCAs price 60–110% effective APR and require daily ACH repayment, which conflicts badly with the no-revenue Dec-Feb period. Better off-season options: Pre-approved LOC drawn down only as needed (interest only on drawn balance). MCAs make sense only when you're bridging a known peak-season recovery and the math works.
For 2+ year operators with 650+ FICO and $250K+ annual revenue: typical LOC limit $25K–$150K at 14–22% APR (variable, tied to Prime). Some lenders charge $25–$75/month maintenance fee. Interest only accrues on drawn balance — so an LOC kept open all year but only drawn during slow months can cost dramatically less than a term loan of the same size.
4–6 months of business bank statements, voided business check, photo ID, EIN letter, business formation documents, commercial auto insurance certificate. Larger amounts ($150K+) require last 2 years of business tax returns, year-to-date P&L, and equipment list. SBA loans require business plan, lease for the yard, equipment list with values, personal financial statement.
Yes — landscaping is SBA-eligible. The 7(a) program is most flexible: working capital, equipment, acquisitions, real estate purchase, debt refinancing all allowed. The 504 program fits real estate (yard property purchases). Landscaping businesses generally pass the SBA size test ($16.5M revenue cap typical for landscaping NAICS codes).
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