Merchant Fund Express
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Merchant Cash Advance for Landscaping

Cover materials, fuel and crew pay before spring checks clear. Funding from $25,000 based on your deposits, with a 5-minute application.

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Landscaping Merchant Cash Advance

Capital for the gap between the job and the check

Landscapers front the costs of every season. An advance sized to your deposits helps you start strong without waiting on slow-paying accounts.

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.

An advance built for landscapers

Fast, simple, few documents

Apply in about 5 minutes with around three months of bank statements. No tax returns. Funding in as little as 24 hours if qualified.

Room on credit

FICO 500+ considered. Steady deposits from your jobs carry real weight.

Clear total cost

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

Predictable repayment

The repayment schedule is laid out in your offer up front.

Cash flow tight this month?

Fast decisions. Applying takes about 5 minutes.

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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.

Spring arrives before the money does

Every landscaping owner knows the squeeze. In late winter you are buying mulch, sod, pavers and plant stock, getting mowers serviced, fueling trucks and bringing crews back. The checks from those spring jobs show up weeks later, sometimes longer on commercial accounts. A merchant cash advance gives you capital now, based on the sales your business already generates.

How a merchant cash advance works

A merchant cash advance provides a lump sum in exchange for a portion of your future receivables. Instead of judging you mainly on credit and collateral, we look at your business bank deposits to understand how money comes in. Your offer shows the full repayment amount and the repayment schedule before you accept, so you know the total cost from day one.

Amounts range from $25,000 to $5,000,000, depending mainly on deposits and existing obligations.

Where landscapers use an advance

For large jobs, see landscaping big contract funding. If crew pay is the pressure point, landscaping payroll funding covers it in detail.

Is an advance the right tool?

An advance is useful when you need a lump sum quickly and your deposits are steady. If you would rather draw smaller amounts through the season, a line of credit for landscaping may be a better match. Our comparison of line of credit vs. merchant cash advance lays out the differences.

Sizing an advance to your season

Bigger is not always better. A crew that does residential mowing and seasonal cleanups has a different deposit rhythm than one running commercial snow and maintenance contracts year round. We size offers mainly from your deposits and existing obligations, and we encourage you to request what your slow months can comfortably carry.

Applying

The application takes about 5 minutes. We start with a soft credit pull and ask for about three months of business bank statements, no tax returns. FICO scores from 500 are considered, sole proprietors can apply, and qualified businesses can be funded in as little as 24 hours. Start here.

Frequently Asked Questions

Can a seasonal landscaping company get a merchant cash advance?

Yes, seasonal businesses apply regularly. We read your statements with your busy and slow months in mind.

What if my winter deposits are low?

Tell us about your season in the application. We look at your deposit pattern as a whole rather than one slow month.

How much can a landscaper get?

From $25,000 to $5,000,000, sized mainly by your deposits and existing obligations.

Do I need tax returns?

No. About three months of business bank statements is what we need.

Will I know the total cost before I accept?

Yes. The offer shows the full repayment amount and schedule up front.

Spring materials $35,000.00
Crew payroll $28,000.00
Hardscape job $55,000.00
Mower repair $9,500.00

Example uses for illustration only.

How to improve your chances

Steps that help a landscaping application move smoothly.

  • Deposit every customer payment into your business account
  • Keep notes on your seasonal pattern to explain slow months
  • Limit overdrafts during the off-season
  • List existing financing payments up front

Merchant cash advance vs. a bank loan

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Long forms, in-person meetings
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Good credit required
Seasonality
Reviewed in context
Slow months can hurt approval
Speed
As little as 24 hours if qualified
Several weeks

Start the season with cash on hand

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

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