Landscaping businesses face a clear seasonal cash flow pattern and significant equipment requirements. The right financing covers equipment purchases, seasonal payroll bridges, and fleet expansion — without locking up capital that should be working.
Loan Options
| Loan Type | Best For | Typical Amount | Rate Range | Term |
|---|---|---|---|---|
| equipment financing | Mowers, tractors, trailers, vehicles | $5K–$250K | 7%–22% APR | 2–6 years |
| working capital Loan | Seasonal payroll, materials | $5K–$150K | 12%–45% APR | 6–18 months |
| SBA 7(a) | Expansion, acquisition | $50K–$5M | 10%–13.5% APR* | 7–10 years |
| business line of credit | Flexible seasonal draw-and-repay | $10K–$150K | 10%–35% APR | 12–36 months |
*SBA rates variable. Verify with your lender.
Typical Qualification Requirements
| Requirement | Typical Minimum |
|---|---|
| Time in Business | 12 months |
| Monthly Revenue | $10,000+ |
| Annual Revenue | $120,000+ |
| Credit Score | 600+ |
Consistent monthly revenue and strong bank deposits are the primary underwriting drivers. Credit score matters, but lenders weight cash flow heavily for these business types.
How to Apply
- Prepare documents: 3–6 months bank statements, 2 years tax returns, business license and any professional certifications.
- Apply through a marketplace: Reach multiple lenders with a single submission and compare offers side by side.
- Review the full terms: Compare APR, total repayment amount, and payment frequency — not just the advance amount.
Frequently Asked Questions
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Related Financing Options
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