Funding for your situation
The real cost of adding a crew truck, what funders look at, and a worked example using illustrative figures.
✓ Checking what you qualify for does not affect your credit score.
The spring calendar is full, but the third crew needs a truck, tools and a month of payroll. Adding a crew truck is the most direct way to turn demand you are already turning away into revenue, and it is also a purchase that comes due before it earns.
Merchant Fund Express is a funding marketplace: you apply once, and the file is matched to the structure that fits it. The sections below show what this situation usually costs, how a funder reads it, and what to prepare.
Weekly route work and project invoices on terms, with a seasonal pause in deposits. A reviewer sees that pattern in the statements before reading a word of the application.
Equipment is part of the picture. A failure such as a zero-turn mower or a trailer axle can run $5,800 to $7,400 and interrupt revenue while it is down.
The documents that usually matter most for a landscaping company are an equipment or truck quote and route or contract list, alongside the bank statements.
Spring through fall carries revenue, with a winter gap unless snow work fills it. For a landscaping company, that rhythm decides when a funding request reads best and how it should be repaid.
| Cost item | Illustrative amount |
|---|---|
| Truck and trailer | $32,000 |
| Mowers and trimmers for a crew | $14,000 |
| Insurance and licensing | $5,000 |
| Crew payroll through the first weeks | $9,000 |
| Cushion for overruns and slow early weeks (about 10%) | $6,000 |
| Funding need for one more crew truck | $66,000 |
Sizing check. If the full repayment shown in an offer were $86,000 over about 26 weeks, the weekly debit would be about $3,308. Against illustrative monthly deposits of $105,000 (about $24,231 a week), that is roughly 14% of weekly deposits. Your own offer states the real repayment amount in dollars; run your numbers on the factor rate calculator before you accept anything.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
A fixed purchase with a quote you can put in front of a funder.
People are paid on a schedule that does not wait for new revenue to ramp.
Often front-loaded and easy to leave out of the first estimate.
People are paid on a schedule that does not wait for new revenue to ramp.
These are the same factors described on revenue and deposit requirements and time in business. Merchant Fund Express walks you through how your own file reads before you apply.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Merchant Fund Express gives a same-day decision on a complete file, and funding is typically the next business day after signing. The quote or bill of sale for the crew truck is the document that usually moves things along.
It can be either. If the purchase is a single asset with a quote, equipment financing may fit; if you also need payroll and supplies for the ramp-up, working capital covers the whole package.
Often yes. A used purchase can shorten the payback, and a quote or invoice from the seller is what the file needs.
The minimum FICO is 500, and better credit means better products and terms. See credit score requirements for how the tiers work.
Merchant Fund Express gives a same-day decision on a complete file. Applying takes a few minutes and will not affect your credit score.
