Equipment Financing for Landscaping Companies
That commercial zero-turn costs $12,000 but would let you take on 15 more accounts. A new truck and trailer run $55,000 but enable a second crew. Equipment financing preserves the working capital you need for operations while building the fleet your growing business requires.
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Landscaping Equipment Economics
Landscaping is equipment-intensive. Commercial mowers, trucks, trailers, and specialty equipment represent major capital investments but are essential for service delivery and growth.
Equipment Cost Reality
Commercial zero-turn: $8,000-$15,000. Stand-on mower: $7,000-$12,000. Work truck: $35,000-$60,000. Enclosed trailer: $6,000-$15,000. Equipment costs add up quickly.
Revenue per Equipment
A $12,000 commercial mower servicing 20 accounts at $200/month generates $48,000 annually. Equipment ROI is clear, but capital is required upfront.
Useful Life Consideration
Commercial mowers last 5-8 years with proper maintenance. Trucks run 150,000+ miles. Financing over equipment life matches payments to productive use.
Section 179 Benefits
Landscaping equipment purchases may qualify for Section 179 deduction, allowing full cost deduction in the purchase year. Financed equipment qualifies. Consult your accountant.
The Landscaping Equipment Challenge
Equipment-intensive operations require capital. Financing preserves working capital for operations.
Cash vs. Equipment Needs
Purchasing a $50,000 truck outright depletes working capital needed for payroll, supplies, and operations. But you need the truck to grow.
Pre-Season Equipment Needs
Spring arrives and you need equipment ready. But winter depleted cash reserves. Equipment is needed now, cash is available later.
Growth Equipment Requirements
Each new crew requires a truck, trailer, and mowers. Growth capital is tied up in equipment rather than available for operations.
Multiple Equipment Needs
Landscaping requires many equipment types: mowers, trimmers, blowers, trucks, trailers. Cash purchasing everything is impractical.
Equipment Replacement
Mowers wear out. Trucks need replacing. Ongoing equipment needs create ongoing capital requirements.
Dealer Financing Limitations
Dealer financing may cover mowers but not trucks. Trucks but not trailers. Piecemeal solutions create complexity.
Landscaping Equipment Financing Process
From application to equipment deployment, most financing completes within two weeks.
Application
Complete online application with business information and equipment details. Provide dealer quote.
10 minutes
Credit Decision
We evaluate business financials, equipment value, and deal structure. Most decisions within 24-72 hours.
1-3 days
Documentation
Sign financing agreement and provide equipment invoice from your dealer.
Same day
Funding & Delivery
Funds released to dealer. Coordinate equipment delivery and get working.
1-3 days
Finance Equipment, Preserve Working Capital
Equipment financing structures payments across equipment useful life while keeping working capital available for operations. The equipment itself secures the financing, often enabling approval even with credit challenges.
100% Financing Available
Finance the full equipment cost for qualified businesses. No large down payment required on most transactions.
Extended Terms
Terms up to 72 months for major equipment spread payments to manageable levels matching equipment productive life.
Equipment as Collateral
The landscaping equipment secures the financing. No need to pledge trucks, real estate, or personal assets.
New and Used
Finance brand new equipment from dealers or quality used equipment. Terms may vary by equipment age.
Fast Approvals
Spring does not wait. Get approval in 24-72 hours, not weeks. Move on equipment before season starts.
Tax Benefits
Financed equipment may qualify for Section 179 deduction and depreciation benefits. Consult your accountant.
Landscaping Equipment Financing Scenarios
Common situations where equipment financing helps landscaping companies.
Commercial Mowers
Zero-turn, stand-on, and walk-behind commercial mowers. Finance over useful life rather than depleting cash.
Typical funding: $8K-$30K
Work Trucks
Pickup trucks, stake beds, and crew cabs for crew deployment and equipment hauling.
Typical funding: $30K-$65K
Trailers
Open and enclosed trailers for equipment transport. Essential for mobile operations.
Typical funding: $5K-$20K
Crew Package
Complete crew setup: truck, trailer, and mowers bundled into single financing.
Typical funding: $50K-$100K
Specialty Equipment
Aerators, de-thatchers, skid steers, and specialty landscaping equipment.
Typical funding: $10K-$75K
Fleet Expansion
Multiple vehicles and equipment for significant growth. Finance the complete package.
Typical funding: $75K-$200K
Equipment Financing vs. Alternatives
Understanding your options for acquiring landscaping equipment.
| Feature | Equipment Financing | Cash Purchase | Dealer Financing |
|---|---|---|---|
| Cash Required | 0-10% down | 100% | Varies |
| Ownership | At term end | Immediate | At term end |
| Working Capital Impact | Preserved | Depleted | Preserved |
| All Equipment Types | Yes | Yes | Often limited |
| Bundling Allowed | Yes | N/A | Often no |
| Tax Treatment | Sec 179 + Interest | Sec 179 | Varies |
| Total Cost | Moderate | Lowest | Varies widely |
| Speed | 3-7 days | Immediate | Same day possible |
Landscaping Equipment Financing Requirements
Equipment financing often has flexible requirements because the equipment provides collateral.
Business History
Established landscaping business with operating history.
6 months - 1 year preferred
Owner Credit
Owner credit reviewed as part of decision. Higher scores access better rates.
580+ for most approvals
Business Revenue
Revenue sufficient to support payment amounts.
Supports payment level
Equipment Type
Standard landscaping equipment from recognized manufacturers and dealers.
Mainstream equipment
Down Payment
Zero down available for strong credits. 10-20% may be required otherwise.
0-20% depending
Equipment Source
Dealers, manufacturers, and established private sellers for used equipment.
Reputable sources
Equipment financing decisions weight equipment value heavily. Equipment collateral enables approval for businesses that might not qualify for unsecured financing.
Real Results
Premier Lawn Services
Commercial Landscaping, Atlanta GA
The Challenge
Premier won 12 new commercial maintenance accounts requiring a second crew. They needed a truck ($42,000), enclosed trailer ($12,000), and two commercial mowers ($22,000). Winter cash position was tight.
The Solution
We bundled $76,000 in equipment financing over 60 months with the equipment as collateral. Monthly payments of $1,650 were easily covered by the new accounts generating $8,000 monthly.
The Result
Second crew deployed April 1st. Commercial accounts covered payments with significant margin. Premier added a third crew the following year using the same financing approach.
“We had the contracts but needed a complete crew setup. Bundling the truck, trailer, and mowers into one financing made it simple. The equipment generates 5x its payment.”
Landscaping Equipment Data
Industry statistics informing equipment investment decisions.
Landscaping Equipment Financing Advantages
Strategic benefits beyond simple cash preservation.
Growth Enablement
Add crews and equipment to take on more accounts. Equipment financing enables growth.
Pre-Season Ready
Finance equipment before spring when you need it, not when winter cash allows.
Fleet Modernization
Keep equipment current. Reliable equipment means reliable service and happy customers.
Predictable Payments
Fixed monthly payments replace large capital outlays. Budget with certainty.
Bundling Flexibility
Combine truck, trailer, and mowers into single financing. One payment, complete crew setup.
Trade-In Path
Build equity in equipment for future trade-ins toward newer models.