Merchant Fund Express
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Equipment Financing for Landscaping

Add mowers, loaders, trailers and trucks without draining your operating cash. Apply in about 5 minutes with bank statements.

Finance Equipment

Landscaping Equipment Financing

More equipment means more routes and bigger jobs

Every machine you add raises what your crews can handle. Spread the cost so new gear starts earning while you pay for it.

As fast as
24 hours

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.

Financing for the gear that grows your business

Fast, paper-light process

Apply in about 5 minutes with around three months of statements. No tax returns. Qualified companies funded in as little as 24 hours.

Credit flexibility

FICO 500+ considered. We weigh steady job deposits alongside your score.

Cost shown first

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

Predictable schedule

Repayment is laid out in your offer up front so you can plan your season.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Your equipment is your capacity

In landscaping, the number of properties you can service is limited by the gear on your trailers. A second zero-turn means a crew finishes a route faster. A compact track loader opens up hardscape and grading work. An aerator, dethatcher or hydroseeder adds a service you used to turn down. Equipment financing lets you add that capacity without emptying the account you need for payroll and materials.

What landscapers finance with us

Adding winter services like plowing can smooth out seasonal cash flow, which is something worth weighing when you pick equipment.

How it works

Apply in about 5 minutes and share about three months of business bank statements. We do not require tax returns, and we start with a soft credit pull. Funding ranges from $25,000 to $5,000,000, depending mainly on your deposits and existing obligations, and qualified businesses can be funded in as little as 24 hours.

Your offer lays out the full repayment amount and the schedule before you accept. Having a vendor quote ready makes the conversation easier.

Timing your purchase

Many landscapers buy in late winter so new equipment is ready for the first cut. Others wait until fall when they can see the year's numbers. Either way, match the purchase to work you can actually fill. A new loader only pays off if you have the hardscape jobs lined up for it. If a machine breaks down mid-season instead, see landscaping equipment repair funding or emergency funding.

New, used or upgraded

Not every purchase has to be brand new. Some owners pick up a lightly used loader at auction, others trade up to a quieter battery-powered mower fleet to win HOA and municipal work that has noise rules. Tell us what you are buying and why, and we will review it alongside your deposits.

Who can apply

Established landscaping companies with steady deposits. FICO scores from 500 are considered, and sole proprietors can apply. Looking at other ways to fund the season? Compare with revenue-based financing for landscaping, or start your application.

Frequently Asked Questions

What kinds of landscaping equipment can I finance?

Mowers, loaders, excavators, trailers, work trucks, aerators, sprayers, snow equipment and similar gear used in your business.

Can I finance more than one machine at once?

Yes. Include everything you plan to buy in your application and we will review it with your deposit history.

Do I need tax returns?

No. About three months of business bank statements is enough to start.

What credit score is needed?

FICO scores from 500 are considered, and your deposit pattern weighs heavily.

When will I know the total cost?

Your offer shows the full repayment amount and schedule before you accept anything.

Zero-turn mower $16,000.00
Track loader $68,000.00
Enclosed trailer $12,500.00
Snow plow setup $9,800.00

Example uses for illustration only.

How to improve your chances

Prepare these to make your equipment request clear.

  • Get a vendor quote for each machine you plan to buy
  • Show the jobs or routes the equipment will serve
  • Keep three months of clean business statements ready
  • List existing truck or equipment payments

Equipment financing: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Full loan packet
Tax returns
Not required
Usually required
Credit
FICO 500+ considered
Good credit needed
Initial check
Soft credit pull
Hard credit pull
Speed
As little as 24 hours if qualified
Weeks

Get the gear on the trailer before spring

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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