Industry Qualification

Landscaping Companies: yes, this industry is eligible.

Landscaping Companies fall under an eligible industry classification (Landscaping Services). Landscapers earn heavily in the growing season and lean in winter, and the review is designed to read that seasonal curve.

Apply Now Do I Qualify?

✓ Checking what a landscaping company qualifies for does not affect your credit score.

Why landscaping companies qualify

Maintenance contracts paid monthly, one-time installation projects and seasonal services like leaf cleanup or snow removal all show in a landscaper's statements.

Funding typically covers mowers, trucks and trailers before spring, payroll during the early-season ramp, or materials for large hardscape and installation jobs.

Average daily balance

Spring equipment buys and payroll can thin the balance; averaging about 10% of monthly revenue shows the business manages the ramp. ADB explained →

Time in business

Companies operating three or more years are strongest, and newer crews with signed maintenance accounts are funded regularly. Time tiers →

Negative days/NSFs

Early-season payroll before invoices are paid can cause negative days — fewer than 3 a month keeps the file clean. Exact limits →

Existing positions

An advance used for equipment last season is weighed in the review. Refinance options →

How money moves through a landscaping company

In most of the country, March through November carries the year, with spring cleanups and installs at the peak. Snow-removal contracts can fill winter for northern companies.

Crew payroll, fuel, equipment maintenance and plant material costs climb in spring, often before maintenance clients start paying monthly.

How a landscaping company file measures up to the two programs

Every threshold below comes from the published funding requirements, applied line by line to a landscaping company.

Tier 1 — line of credit or term loan3+ years in business, a 650+ personal FICO, at least $25,000 a month in average revenue across 8 or more deposits, and an average balance of $5,000 or 10% of monthly revenue; landscapers with a full book of maintenance contracts usually meet these lines over a full year of statements.

Tier 1 — account limitsNo more than 3 negative days in a month (9 over six months) and no more than 6 NSFs in a month (24 over six months) on the company's operating account.

Tier 2 — revenue-based funding6+ months open, a 600+ personal FICO, $60,000 in verifiable revenue, an $800 minimum daily balance and no more than 5 negative days or NSFs; a younger crew or one with a very short season fits here.

Existing positionsUp to 2 current positions; the term loan funds only in first position while a line of credit can sit in second, and an advance taken for mowers or trucks counts toward the two.

Ownership and historyThe signer of a landscaping company's file owns at least 50%; sole proprietors qualify, non-profits do not, and there can be no bankruptcy or foreclosure within 3 years or open bankruptcy and prior default on tier 2.

Where we fundAll 50 states, with extra tier 2 restrictions for a landscaping company based in California or New York.

What landscaping companies use funding for

Mowers and equipment

Commercial mowers, blowers and trimmers ahead of the season.

Trucks and trailers

Adding a crew vehicle.

Hardscape materials

Pavers, stone and plants for installation projects.

Early-season payroll

Hiring crews before the first invoices are paid.

Snow equipment

Plows and salters that add winter revenue.

Worked example: a landscaping company

A landscaping company wants to add a second mowing crew with a truck, trailer and two zero-turn mowers before April.

Its statements show about $54,000 a month in deposits and an average daily balance near $5,200 — roughly 10% of monthly revenue, right around the 10% benchmark.

A request of $35,000 on a line of credit is about 65% of one month's deposits for this landscaping company, which keeps the payment proportionate to what comes in.

Illustrative figures for a sample landscaping company, not an offer; real amounts, terms and cost depend on the full file.

How it works

1. Apply in minutes

Gather recent business bank statements, ideally including the busy season; contract and project deposits show true volume.

2. Same-day decision

The season's deposit curve, years in business and open positions all feed the review, along with credit.

3. Review your terms

The amount, term and total cost appear before you sign, so payments can match the seasonal curve.

4. Next-day funding

Funds normally reach the account the next business day after signing, ahead of the spring rush.

Common questions

Do landscapers qualify with slow winters?

Yes. Seasonal revenue is expected; the review considers the full pattern over several months.

How much can a landscaping company borrow?

Contract and project deposits set the size: $10,000–$350,000 on a line or $10,000–$250,000 on a term loan.

Can funding buy equipment before spring?

Yes. Pre-season equipment is one of the most common uses.

Can a landscaper with an existing advance apply?

Yes. Last season's equipment balance is reviewed as part of the file.

Will checking affect a landscaper's credit?

The check does not touch the credit score, and landscapers get a same-day answer.