01Landscaping and grounds care
Funding for landscaping.
Minimum average deposits
The most seasonal business on this list, and the one where the choice of instrument matters most. A fixed weekly debit that is comfortable in June can be genuinely dangerous in January, and any honest page about funding a landscaper has to start there.
02How the money arrives
What your statements actually show.
Underwriting reads your bank account, not your industry. Knowing how revenue reaches the account in this sector is what makes the difference between a file that is understood and one that is misread.
- Revenue shape
- Split. Residential work is card and recurring ACH against maintenance contracts. Commercial grounds care is invoiced on net terms to property managers, HOAs and facilities companies. Installation and hardscape projects are larger and billed in stages.
- How it reads to a funder
- Strongly seasonal, with recurring maintenance contracts providing the steady base underneath. That contracted base is what makes a landscaping file fundable: it is far more readable than project work, and it is what a funder sizes against.
- Seasonality
- The sharpest on this list. In northern states revenue can fall close to zero for a stretch of winter unless snow and ice work fills it, in which case the year has two peaks instead of one. In southern states the year runs much flatter and the whole calculation changes.
03What it funds
What the money is usually for.
Not a list of everything money can do. These are the things owners in this sector actually come to us for.
- Mowers, trucks, trailers and equipment, usually bought ahead of the season
- Crew hiring and training before the work starts arriving
- Materials for installation and hardscape projects billed on completion
- Working capital through the off-season, where the year has one
- Taking on additional routes or a commercial contract that has to be resourced first
Amounts run from $15,000 to $20,000,000, sized against what the account takes in rather than against what the money is for.
04Strength
What strengthens the file here.
The general list is on the qualification page. These are the things that carry particular weight in this sector.
Reads well
- Recurring maintenance contracts, which are the steadiest revenue in the sector by a distance
- Snow, ice or other winter work that fills the gap and flattens the year
- Commercial contracts alongside residential, which are larger and more durable
- Equipment owned outright, which is common and genuinely useful as security
05Friction
What complicates it.
None of these is an automatic no. Each one changes what is available, and each one is better raised by you at the start than found in the statements later.
A fixed debit running into the off-season
The central risk in this sector, and the reason product choice matters more than price. Funding taken in spring is partly repaid in winter, when revenue may be a fraction of what justified it. Either the repayment has to flex with revenue, or the amount has to be sized so the winter payment is affordable on winter income. Sizing against the summer is how these files fail.
Equipment already financed
Mowers and trucks are usually bought on finance and carry liens accordingly. Real equity in owned equipment changes what asset-backed funding can reach; a full note against it does not.
Project work counted as recurring
A large installation season can make the business look bigger than its contracted base. Funders size against what recurs, not against the best quarter.
A fact that arrives with an explanation is worked with. The same fact found in the statements is a surprise, and surprises cost you terms.
06Which product fits
Not every sector wants the same instrument.
We arrange four. These are the ones that tend to suit landscaping, and why. Which one is right for you is decided on your file, not on your sector.
Quoted per file
Revenue-based financing
The most honest fit for a genuinely seasonal operator, because repayment falls with the off-season instead of ignoring it.
How it worksQuoted per file
Asset-backed capital
Owned equipment and vehicles are real security and suit a purchase made ahead of a season.
How it worksRates published
Merchant cash advance
Works where winter work genuinely fills the year, or where the amount is sized against off-season revenue rather than peak.
How it worksFind out where your file stands.
The application takes about fifteen minutes and asks for 3–6 months of business bank statements. If something on this page describes your business, say so at the start: it is the difference between a file that is read correctly and one that is read twice.