Why landscaping companies in Massachusetts qualify
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.
The cash-cycle problem
Residential collected quickly; commercial maintenance contracts invoice monthly.
In Massachusetts 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.
What applies in Massachusetts
Massachusetts funds normally on every tier — no extra restrictions apply.
Most of this activity sits around Boston, Worcester, Springfield and Cambridge.
Vermont, North Dakota and South Dakota sit outside the lending area on every product. California and New York carry extra restrictions on the revenue-based tier.
Massachusetts has a hard winter that removes months of the year. For landscaping companies that is not a downturn, it is the calendar — and underwriting reads a northern seasonal account on the twelve-month average, not on the trough.
The practical consequence is that the capital usually has to be in place before the season opens, not after the first invoices land.
The published thresholds
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.
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
Questions
Do you fund landscaping companies in Massachusetts?
Yes. Landscaping companies are classified under Landscaping Services, which is an eligible category .
What credit score is needed?
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
How fast can funding arrive?
Same-day decision and next business day funding on a complete file — the application plus three months of business bank statements.
What if revenue is seasonal?
Sharply seasonal in northern states; the winter trough is normal, not distress. Underwriting reads the average and the deposit count, not the peak month.