Spring startup costs come before the first invoice, and winter slows things down. Plan the cycle and fund the gaps that make sense.
See My OptionsLandscaping Cash Flow
From $25,000 for established landscaping companies with steady deposits. About three months of bank statements, FICO 500+ considered.
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.
A 5-minute application and three months of statements, no tax returns. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ is considered, with a soft credit pull to start.
Your offer shows the full repayment amount up front. No surprise costs after you sign.
The repayment schedule is laid out in your offer before you commit, so you can plan around the season.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Every spring, landscaping companies spend heavily before the first invoice goes out. Mowers get serviced, trucks and trailers get inspected, crews get hired and trained, and mulch, stone and plants get ordered. Commercial maintenance contracts and HOA work may pay monthly or on net terms. Install jobs often pay in stages.
In many regions, the year ends with a slow winter where revenue drops and some costs continue. Landscaping cash flow is a yearly cycle, and planning it as one is the biggest improvement most owners can make.
Mark when cash leaves and when it comes in for each stage. The gap is your planning number. Our landscaping slow season funding page covers the winter stretch.
A broken zero-turn mower or a dead truck in May costs far more than the repair bill, because a crew sits idle at peak season. Service equipment in the off months and keep a repair reserve. For replacements and fleet growth, equipment financing for landscaping can spread the cost.
Recurring maintenance contracts smooth revenue. Get billing dates in writing, invoice promptly and follow up on late commercial accounts quickly. For install work, take a deposit to cover materials before ordering.
For illustration: a crew that books a large hardscape job in April may need to buy stone and rent equipment weeks before the progress payment. Knowing that in advance turns it into a planned expense instead of a cash scramble.
Merchant Fund Express offers working capital for landscaping businesses, a business line of credit for seasonal swings, and equipment financing, from $25,000 to $5,000,000. We review about three months of business bank statements, consider FICO 500+, and start with a soft credit pull. No tax returns. Apply in about 5 minutes.
Yes. We look at about three months of deposits and try to understand your seasonal pattern. Seasonality is normal in landscaping.
Working capital or a line of credit is often used for startup costs like hiring, materials and equipment service. The amount depends mainly on deposits and existing obligations.
Yes. Sole proprietors can apply.
Qualified businesses can be funded in as little as 24 hours after approval and signing.
The full repayment amount and the repayment schedule, before you accept. No surprise costs after you sign.
Many landscapers like a line of credit because the need repeats every spring and you can draw only what that season requires. Working capital can suit a one-time purchase. Your deposits and existing obligations shape the offer.
Example uses for illustration only.
These steps help a landscaping company stay steady year-round.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding