Industry
Residential collected quickly; commercial maintenance contracts invoice monthly.
✓ Checking what you qualify for does not affect your credit score.
Landscaping companies are classified under Landscaping Services, which is an eligible category. That takes industry off the table and leaves the same four things every file is read on: average daily balance against revenue, time in business, negative days and NSFs, and existing positions.
Residential collected quickly; commercial maintenance contracts invoice monthly.
In Florida that usually means capital goes to mowers, trucks, trailers, crew for the season, materials for an install contract.
Sharply seasonal in northern states; the winter trough is normal, not distress.
Florida funds normally on every tier — no extra restrictions apply.
Most of this activity sits around Jacksonville, Miami, Tampa, Orlando and St. Petersburg.
We fund businesses in all 50 states. California and New York carry extra restrictions on the revenue-based tier.
Florida has no meaningful winter shutdown, so landscaping companies run close to twelve months a year. That produces steadier deposits than the same trade in a northern state and generally reads well.
Hurricane exposure also means insurance premiums and business-interruption risk sit higher here than the national average, which shows up in fixed costs.
Tier 1: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits.
Tier 2: 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance.
Renewal: 550 FICO, 2 years in business, once 50% of the original balance is repaid.
The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.
Yes. Landscaping companies are classified under Landscaping Services, which is an eligible category .
The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.
Same-day decision and next business day funding on a complete file — the application plus three months of business bank statements.
Sharply seasonal in northern states; the winter trough is normal, not distress. Underwriting reads the average and the deposit count, not the peak month.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
