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Complete Guide to Landscaping Business Loans and Financing

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  • Get funds as fast as 24 hours
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By Erin Ryan Social Community Manager, Senior Writer and Editor at Fast Capital 360 Reviewed By Mike Lucas
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Loan Overview

  • Coins stacked on table with blue arrow pointing up
    Loan Amount Up to $500,000
  • Calendar image appearing as though the page is being flipped
    Estimated Repayment Terms 1-5 Years
  • Speedometer icon
    Interest Rate Starting at 7%
  • Dollar sign in circle
    Speed of Funding As fast as 1 day

In the U.S. alone, landscaping accounts for more than 500,000 businesses, more than 1 million workers and a market size of $102 billion, according to 2020 stats from market research company IBISWorld.

Not every landscaping company is TruGreen, though. As a small business, it can be challenging to get a loan to help you make your mark on the industry. Here are a few reasons you might require extra capital. Plus, discover some of the best funding options depending on your needs.

Financing Your Landscaping Business for Success

You’ve probably already got your mind on a specific business expense you need help funding, but here are some other common uses of small business loans for lawn care and landscaping companies.

Invest in Landscaping Equipment

This is one of the more common uses of a landscaping business loan. Whether you need to repair or buy a commercial lawn mower or truck, financing landscaping equipment can make it easier to get the machinery and tools you need when you need them.

If your region dips below freezing, you might even want to get snow removal equipment to continue to service customers during the winter months.

Here are a few other types of equipment you might require to grow your business:

  • Utility trailer
  • Storage shed
  • Blowers, edgers, trimmers
  • Sprayers and spreaders
  • Grading, digging and cutting tools
  • Safety equipment

Purchase Supplies and Inventory

Along the same lines, are you out of supplies you need to operate or sell to clients? If you need a ready stock of landscaping design and yard maintenance products, but don’t have the funds to make a bulk purchase, financing can help. Secure funding to restock the everyday products you require to run your business.

  • Fertilizer
  • Soil
  • Mulch
  • Pavers
  • Water features
  • Landscaping stone and rocks
  • Landscape fabrics
  • Fencing
  • Outdoor lighting
  • Irrigation and drainage systems

Weather the Seasons

Landscaping businesses are one of the most sought-after services. But if you’re in a region that doesn’t experience warm temperatures year-round, you can encounter some dry spells. In a 4-seasons climate, the potential lull during winter and late fall can be hard on your business.

If you’re experiencing this type of inconsistency in your industry, seasonal funding can help you better manage your business through your slow season and prepare for the busier months ahead.

Do you need a loan for your small business?

Hire Additional Staff

Adding extra hands to your workforce is another popular use of landscaping business funding. As a small business owner, you can’t be everywhere at once. So it’s important to hire trustworthy, hard-working staff who will represent your brand well.

But the cost to bring on extra hands can be more than your budget can handle, with landscaping and grounds workers earning an average of $15.56 an hour, according to 2019 data from the U.S. Bureau of Labor Statistics.

Discover Your Best Business Loan Options

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Best Landscaping Loans and Financing Options for Your Business

When looking for a landscaping loan to fund your business endeavors, consider the following types of financing.

Landscaping Equipment Loan

If you need  landscape trailer financing or other equipment funding, you have options. Use equipment financing to buy or lease the machinery you need.

Usually, the equipment will serve as collateral to secure the loan. That’s why, in some instances, you may be able to finance up to 100% of the equipment’s value.

Business Line of Credit

If you know you’ll have fluctuating financing needs, a business line of credit may be the best fit. It works similarly to a credit card: You’re approved for a certain amount, and you use the funds when you need them (or don’t).

You aren’t charged interest until you make a purchase. Typically, as you pay back your debt, your credit line is restored up to the original amount. You can spend a credit line on virtually any business need – pay bills, make repairs, cover overhead during slow months and more.

Term Loan

Term loan funds can be used for just about anything and can be repaid in a few months or years, depending on the specific loan terms.

These loans have regular payments, which, depending on your specific terms, could be due on a daily, weekly or monthly basis until paid in full. Use funds for operational expenses, supply or equipment purchases, business advertising, staffing costs, debt refinancing, expansion and more.

Working Capital Loan

The term working capital loan is an umbrella term for financing that is generally quick to fund and meant to be repaid quickly.

It’s designed to function as buffer financing when you need help covering short-term operational expenses, such as debt payments and payroll.

This type of funding can be easier and faster to obtain when compared to a conventional term loan.

SBA Loan

SBA-backed financing is another option if you’re looking for small business loans for your lawn care company. These loans are touted for their competitive interest rates and repayment terms, spanning several years.

While there’s a lot of paperwork involved and the application and funding process can take some time, SBA loans can be conducive to borrowers who may have been ineligible for conventional bank loans. That’s because the U.S. Small Business Administration guarantees a portion of each loan, so there’s less risk involved for the lending partner.

Merchant Cash Advance

If you need fast access to funds and your credit score is in the low 500s, consider a merchant cash advance. This type of financing provides borrowers with an advance of funds based on their business’s expected revenue and cash flow.

Repayments are made daily or weekly, and are often fixed. Repayment often ranges between 3-18 months.


Estimate terms for every type of financing

Loan qualifications

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    Time in Business 1+ Year
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    Annual Revenue $200,000+
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    Credit Score 560+

Loan qualifications

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    Time in Business 1+ Year
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    Annual Revenue $200,000+
  • icon
    Credit Score 600+

Loan qualifications

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    Time in Business 1+ Year
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    Annual Revenue $75,000+
  • icon
    Credit Score 540+

Loan qualifications

  • icon
    Time in Business 2+ Years
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    Annual Revenue $160,000+
  • icon
    Credit Score 620+

Loan qualifications

  • icon
    Time in Business 1+ Year
  • icon
    Annual Revenue $150,000+
  • icon
    Credit Score 600+

Loan qualifications

  • icon
    Time in Business 4+ Months
  • icon
    Annual Revenue $100,000+
  • icon
    Credit Score 500+

Loan qualifications

  • icon
    Time in Business 2+ Years
  • icon
    Annual Revenue $50,000+
  • icon
    Credit Score 650+

Loan qualifications

  • icon
    Time in Business 1+ Years
  • icon
    Annual Revenue $75,000+
  • icon
    Credit Score 540+

How much do you need?

Estimated Interest Rate

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      Total Repayment:
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      This is an estimation tool that provides a range of possibilities depending on creditworthiness and terms selected. Terms can be adjusted to increase or decrease your payment. To see all our loan calculators click here.

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          How much do you need?

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          This is an estimation tool that provides a range of possibilities depending on creditworthiness and terms selected. Terms can be adjusted to increase or decrease your payment. To see all our loan calculators click here.

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          Estimated Interest Rate

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          Loan Term

          Payments

            Total Repayment:
            Cost of Loan:
            This is an estimation tool that provides a range of possibilities depending on creditworthiness and terms selected. Terms can be adjusted to increase or decrease your payment. To see all our loan calculators click here.

            How much do you need?

            Estimated Interest Rate

            %

            Loan Term

            Payments

            Total Repayment:
            Cost of Loan:
            This is an estimation tool that provides a range of possibilities depending on creditworthiness and terms selected. Terms can be adjusted to increase or decrease your payment. To see all our loan calculators click here.

            Where to Find Lawn Care Business Loans

            Lenders vary just as landscaping loans do. Here’s an overview of lenders you might come across in your search for financing.

            Banks and Conventional Lenders

            Banks and conventional lenders can offer competitive interest rates and repayment terms. However, requirements to qualify can be tough to meet. You might need to put up collateral and have a minimum credit score above 650 in addition to meeting minimum revenue requirements.

            What’s more, the process can be drawn out, and a lot of paperwork can be involved. While a conventional lender may be the first solution that comes to mind for landscaping business financing, there’s another option.

            Alternative Lenders

            Many small business owners don’t have collateral to pledge, and some are working to build their credit score.

            If your lawn and yard maintenance business needs funding quickly, and conventional lenders are slow to process your application or are requiring more than you can offer, an alternative lender could offer a fast solution to your working capital needs.

            Applications are completed online, and funds could be available the same day as approval.


            What You Need to Apply for Landscaping Business Loans and Financing

            With Fast Capital 360, you can apply for financing with the following qualifications and documentation.

            Minimum Requirements:

            • Cake icon Time in Business 6 months
            • Chart icon Annual Revenue $120,000
            • Speedometer icon FICO Score 500+

            What You’ll Need to Get Started:

            • Basic information about your business and yourself
            • 6 most recent monthly bank statements

            Apply With Fast Capital 360

            Ready to fund your landscaping business needs? We’re here to help.

            Quick and Easy Application

            See what offers come your way with our fast and easy-to-complete online application. A few minutes is all it takes to get started.

            Multiple Loan Offers

            We partner with reputable lenders across the country to find financing that’s right for you. After you apply, you could have several pre-approvals in less than 24 hours.

            Expert Advice

            Once you apply, one of our Business Advisors will guide you through the loan application and approval process. Your Business Advisor will review the offers and loan terms you’ve been approved for and go over what you’ll need to make the best financing decision for your business.

            One application. Multiple loan offers.

            Quickly compare loan offers from multiple lenders without impacting your credit score.

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