Landscaping companies / New business
The published time-in-business tiers and the bank-account habits that make a young file readable.
✓ Checking what you qualify for does not affect your credit score.
At Merchant Fund Express, we publish the terms and thresholds behind this page so you can check your own numbers before you apply.
A young landscaping company shows its season in deposits: a clear ramp in spring, a plateau in summer and a decline in the fall. Recurring maintenance contracts give a floor, which is what funders look for.
Funding is for businesses that are earning. The published tiers start at six months in business; the strongest tier asks for three years and a 650 FICO. The minimum FICO is 500, and the better your credit, the better your offer.
| Stage | Published |
|---|---|
| Strongest tier (line of credit, term loan) | 3+ years, FICO 650+, $300,000 a year or $25,000 a month average |
| Second tier | Built for files that miss the first tier; published floor from 6 months in business |
| Renewals | 2 years, FICO 550, once 50% of the original balance is repaid |
See the published requirements line by line, or check where your file lands; checking does not affect your credit score.
For a landscaping company, the weakness we see most is carrying fixed equipment payments through the off-season without a plan.
Possibly at six months in business, ideally after at least one peak. Merchant Fund Express shows the exact amount, schedule and total cost in your offer before you sign.
The minimum FICO is 500, and the better your credit, the better your offer. The published tiers use 650, 600 and 550 as product criteria rather than a floor.
Checking what you qualify for does not affect your credit score.
Apply with Merchant Fund Express: same-day decision, and applying takes a few minutes without affecting your credit score.
