Merchant Fund Express
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Payroll Funding for Landscaping Companies

Keep crews paid on time while you wait on property managers and big installs. Apply in 5 minutes with a soft pull to start.

Cover My Payroll

Landscaping Payroll Funding

Pay your crew on schedule, even when invoices run late

Landscaping labor goes out every week while client payments trickle in. We help established crews bridge that gap with a clear offer and funding in as little as 24 hours for qualified businesses.

As fast as
24 hours

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.

Payroll support that fits a landscaping season

Quick and simple

Five-minute application, about three months of bank statements, and funding in as little as 24 hours if you qualify.

Flexible on credit

FICO 500+ is considered. Your steady deposits carry real weight in our review.

Clear total cost

The full repayment amount is in your offer before you accept. No surprise costs show up after you sign.

Predictable payments

Your repayment schedule is spelled out up front so you can plan around peak and slow months.

Payroll before sales come in?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Crews get paid Friday. Clients pay whenever.

Landscaping payroll is lumpy. In spring you're adding seasonal crew members, running overtime to catch up on cleanups and installs, and buying fuel by the tank. Meanwhile commercial property managers pay on their own cycle, and a big install might not be invoiced until it's finished. That gap between labor going out and payments coming in is exactly what payroll funding for landscaping covers.

We give established landscaping businesses a way to meet payroll on time without draining the operating account or putting wages on a personal card.

Why payroll gaps hit landscapers hard

Labor is usually the biggest line on a landscaping P&L. When rain pushes a week of jobs back, you still owe the crew for the hours they were scheduled. When a commercial client takes extra time to process an invoice, the money you were counting on for Friday isn't there. Missing payroll even once can cost you good crew leads, and in a tight labor market they're hard to replace.

What we look for

We start with a soft credit pull, so checking your options won't affect your score. Seasonal swings are expected in this trade; we look at how your deposits behave across the busy and slower stretches.

A quick example

For illustration: a company with four crews lands two commercial installs in April and hires six seasonal workers. Wages for the first few weeks go out before either install is invoiced. Funding sized to cover that window lets the owner pay everyone on time, finish the jobs, and repay from the invoices as they clear.

Choosing the right tool for payroll

If you need a one-time cushion to get through a heavy hiring period, working capital gives you a lump sum. If payroll gaps come and go all season, a business line of credit lets you draw only when needed. Companies with steady card or ACH deposits sometimes prefer revenue-based financing.

Your offer lists the full repayment amount and the payment schedule before you accept. When you're ready, apply here.

Frequently Asked Questions

Can I use the funding only for payroll?

You can use it for payroll and payroll taxes, and many landscapers also cover fuel or materials tied to the same jobs. It's working money for the business.

How quickly can I have payroll funds?

Qualified businesses can be funded in as little as 24 hours once the application and statements are in.

My revenue drops in winter. Can I still qualify?

Seasonality is normal in landscaping. We review your deposit pattern over recent months rather than judging one slow stretch alone.

Do I need to send tax returns?

No. About three months of business bank statements is usually enough to get started.

How much payroll funding can I get?

We fund from $25,000 to $5,000,000. Your amount depends mainly on your deposits and existing obligations.

Is this only for big landscaping companies?

No. Owner-operators and sole proprietors can apply too. What matters most is an established business with steady deposits, whether you run two crews or ten.

Spring crew wages $42,000.00
Overtime weeks $15,500.00
Payroll taxes $9,800.00
Seasonal hires $28,000.00

Example uses for illustration only.

How to improve your chances

Tighten up a few things before you apply to make the review smoother.

  • Run all job payments through one business account
  • Invoice commercial clients promptly when work is done
  • Keep payroll records and statements easy to pull
  • Avoid stacking new obligations right before applying

How we compare to a bank for payroll needs

Merchant Fund Express
Traditional bank loans
Application
5 minutes online
Lengthy forms and meetings
Paperwork
About 3 months of bank statements
Tax returns and financial statements
Credit
FICO 500+ considered
Typically higher score cutoffs
First credit check
Soft pull
Hard pull at the start
Speed
As little as 24 hours if qualified
Several weeks is common

Make payroll without the Friday scramble

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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