Industries
Business Funding for Landscaping & Field Services
Seasonal crews, equipment, and fleet — matched to a season that has to pay for the whole year.
- No upfront fees
- Soft credit pull
- All 50 states
Common Scenarios
Why landscaping and field service businesses call us
The spring ramp before the first invoice clears
Crews are hired, mulch and material are bought, and trucks are fueled weeks before anyone pays for it. Working capital funds the ramp and gets repaid out of the season it starts.
Replacing the mower fleet before the season, not during it
Equipment that fails in June costs you jobs, not just repairs. Financing zero-turns, a skid steer, or a new trailer ahead of the season converts an emergency into a scheduled payment.
Buying snow equipment in July
Plows, spreaders, and salt are cheaper and available in the off-season, which is exactly when the account is thinnest. Capital in summer buys winter revenue at a better price.
Funding That Fits
Which option usually fits — and why
Listed in the order they most often come up for this industry. Most files end up using one; some use two together.
Qualifying
What you'll need
- Six or more months operating with revenue in the account
- Roughly $10,000+ per month in in-season deposits
- A business bank account, not a personal one
- A contract list or recurring route schedule strengthens the file
- An equipment quote, invoice, or bill of sale for financing
- Off-season months explained if you're applying outside your season
How Lenders Read It
A hard seasonal curve is completely normal in this trade, but not every lender reads it that way — a file submitted in February looks very different to someone who understands landscaping than to someone who doesn't. Placement matters more here than in almost any other industry on this list.
See the full processFAQ
Questions from landscaping and field service owners
Can I apply in the off-season?
Yes, and plenty of operators do, precisely because that's when cash is tightest. Expect the offer to be sized off your in-season deposits, and expect the file to need a lender who understands seasonal revenue rather than the cheapest one on the list.
Do recurring maintenance contracts help my application?
They help meaningfully. Contracted recurring revenue is the closest thing to predictability in a seasonal business, and documenting it — a route list, a contract schedule — is one of the highest-value things you can attach.
Can I finance used equipment from a private seller?
Often, yes, with more diligence: a clean bill of sale, clear title where applicable, and sometimes an inspection. Dealer and auction purchases move faster if speed matters more than price.
More questions? Read the full FAQ
Funding for your landscaping and field service business.
One application, real offers to compare, and no fee unless your business is funded.