Carry your crew, trucks and overhead through the quiet months and hit spring ready to work. Apply in 5 minutes with no tax returns.
See My OptionsLandscaping Slow-Season Funding
Winter shouldn't mean losing your best people or letting equipment sit broken. We fund established landscapers based on their deposit history, with a clear offer up front.
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.
Apply in 5 minutes with about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered, and we read your deposits across busy and slow stretches, not one month.
Your offer states the total repayment amount before you accept. Nothing gets added after you sign.
The payment schedule is laid out in the offer, so you can map it against the coming 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.
Mowing contracts end, leaves are bagged, and in many regions the phone goes quiet for weeks. But truck payments, insurance, shop rent and your core crew's wages keep coming. Slow-season funding for landscaping is about keeping the company intact through the lean stretch so you start spring with your people and equipment ready, rather than rebuilding from scratch.
Some owners also use the quieter months to add snow removal or holiday lighting services, which takes upfront spending on blades, salt spreaders or lighting inventory.
We expect landscaping deposits to rise and fall. When we review about three months of business bank statements, we're looking at the overall pattern and whether the business brings in steady money when it's working. A FICO of 500 or higher is considered, there's no tax return requirement, and the first credit check is a soft pull.
Timing helps. Applying near the end of your busy stretch, when recent statements show strong deposits, often gives a clearer picture than waiting until the account is at its lowest.
Start with the costs that don't stop: truck and equipment payments, insurance, rent, and the wages of anyone you can't afford to lose. Add the spring prep you want to do early. That total, compared with what your account can carry on its own, is a sensible starting point for the request.
A business line of credit works well when you want a cushion to draw from only if needed. Working capital gives a single lump sum for a known list of winter costs. If you're buying a plow or spreader, equipment financing fits that purchase. For more on managing the cycle, see our landscaping cash flow guide.
Every offer shows the full repayment amount and schedule before you agree. Apply in about five minutes.
Yes, though applying while recent statements still show your busy months can give a fuller picture of the business.
About three months of business bank statements. No tax returns are required.
Yes. Equipment financing or working capital can cover plows, spreaders and similar gear for adding winter services.
Decisions move quickly, and qualified businesses can be funded in as little as 24 hours.
No. We begin with a soft credit pull that doesn't affect your score.
Not necessarily. Listing your fixed winter costs first helps you request what you actually need. A line of credit lets you draw in stages if you're unsure how long the slow stretch will last.
Example uses for illustration only.
Use the quiet weeks to get your file in better shape.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding