Crews, fuel and materials go out in early spring. Contract payments follow later. Compare a revolving line with a lump-sum advance for your season.
Compare FundingLandscaping Funding
Recurring seasonal costs often fit a line of credit. A new crew or big install often fits an advance. Tell us your plan and we will show you the options.
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 about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. Your contract and deposit history matter.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The schedule is laid out in your offer, so you can plan it around the off-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.
Landscaping businesses spend heavily before the season pays them back. Crews get hired and trained, trucks and trailers get serviced, and mulch, stone and plant material get ordered before most maintenance contracts start billing. Install jobs add another layer: material up front, payment after the walkthrough. That is why the line of credit versus merchant cash advance question comes up so often in this trade.
A line lets you draw as costs hit and repay as contracts pay. For a landscaper, that can mean drawing for an early-spring payroll, paying down as maintenance invoices clear, then drawing again for a big hardscape job. It tends to fit businesses with many small, repeating costs spread across the year.
See our line of credit for landscaping companies.
An advance is a lump sum repaid from a share of your future deposits. Because landscaping deposits rise in season and drop in winter, repayment tied to deposits follows that curve more closely than a flat bill would. Owners use an advance for things like:
Read about a merchant cash advance for landscapers. For mowers and skid steers, equipment financing is also worth a look.
Map out when costs land and when customers pay. If the gap repeats each month through the season, a line generally fits. If there is one big outlay you want covered all at once, an advance may be simpler. Before accepting any offer, compare its repayment schedule to your deposits in your slowest months, not just your best ones. Your offer spells out the full repayment amount and schedule before you accept.
We review about three months of business bank statements. No tax returns are required, FICO 500+ is considered, and sole proprietors, including owner-operators with one crew, can apply. The 5-minute application starts with a soft credit pull. Apply now to see what fits your season.
Many landscapers apply in late winter or early spring, before payroll and material costs peak. We look at your recent deposits and existing obligations either way.
Yes. Seasonal swings are normal in landscaping. Funders weigh how deposits move across the months they review and what you already owe.
For a single piece of equipment, equipment financing is often the cleanest fit. An advance can also cover it if you are bundling it with other costs.
Decisions move fast and funding can arrive in as little as 24 hours for qualified businesses.
No. About three months of business bank statements and a short application are what we need.
Example uses for illustration only.
A few habits make a landscaping company's numbers easier to fund.
One secure application. A soft credit pull to start. No obligation to accept an offer.
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