FICO 500+ considered. We look at your deposits, not just your score, and start with a soft credit pull. Apply in about 5 minutes.
See My OptionsLandscaping Funding, Bad Credit
A tough year on your credit report does not erase a full schedule of mowing, installs and maintenance accounts. We read your statements to see how the business really performs.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Apply in about 5 minutes with about three months of bank statements. No tax returns, and funding in as little as 24 hours for qualified businesses.
Credit is one factor among several. Steady deposits from your contracts and jobs carry real weight in our review.
Your offer shows the full repayment amount before you accept. No surprise costs appear after you sign.
The schedule is spelled out in your offer before you agree, so you can match it to your seasonal cash flow.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Plenty of solid landscaping companies have a credit score that does not reflect how the business actually runs. Maybe a slow winter led to a few late card payments, or an early truck loan went sideways before the company found its footing. Banks tend to stop reading right there. We take a broader look.
FICO scores from 500 are considered. Credit still matters, but it is one input next to the thing that tells us most about a landscaping business: the deposits flowing through your business bank account.
We review about three months of business bank statements. In that window we look at:
None of these is an automatic yes or no on its own. They work together to shape whether we can make an offer and how large it can be. Our landscaping qualification guide walks through this in more detail.
Landscapers use our funding for the same things whether their credit is perfect or not: new mowers and attachments, a second crew truck, irrigation parts, sod and plant material, seasonal payroll, or a marketing push before spring. If your challenge is getting through winter, take a look at landscaping slow season funding.
Products can include a merchant cash advance, working capital, a business line of credit, equipment financing or revenue-based financing. Funding ranges from $25,000 to $5,000,000.
If there is a tax lien, a charged-off card or a past default on your report, tell us on the application. Context helps. A setback from a bad winter three years ago, followed by steady deposits ever since, reads very differently from a pattern that is still going on.
We begin with a soft credit pull, so checking your options does not add a hard inquiry at the start. The application takes about 5 minutes and sole proprietors can apply. If you receive an offer, it shows the full repayment amount and schedule before you accept, so you know exactly what you are signing.
When you are ready, apply here.
FICO scores from 500 are considered. Your score is weighed together with your deposits, balances and existing obligations, so there is no single cutoff that decides your file.
We start with a soft credit pull, which does not affect your score the way a hard inquiry can.
Not automatically. We look at what happened, how recent it was, and how your business bank account has performed since.
Yes. Sole proprietors can apply, as long as the business has steady deposits running through a bank account.
Qualified businesses can be funded in as little as 24 hours once the offer is accepted and paperwork is signed.
Example uses for illustration only.
These steps can strengthen a landscaping file over time, whatever your score is today.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding