Cash Advance for Landscaping Businesses
June deposits $45,000 with peak season humming. January deposits $6,000 during winter. MCA takes a percentage of your deposits, so you pay $3,600 in June and only $480 in January. Built-in seasonal protection with no fixed payment obligations during slow months.
How much funding do you need?
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How MCA Works for Landscaping
Merchant cash advance takes a percentage of daily bank deposits for repayment. Since landscaping deposits follow dramatic seasonal patterns, payments automatically adjust with your business cycle.
Deposit-Based Repayment
A 10% holdback on daily deposits means peak season's $2,000 daily deposit generates $200 payment. Winter's $300 deposit generates only $30. Automatic seasonal adjustment.
Peak Season Acceleration
High summer deposits mean faster repayment when cash flow is strongest. Many landscaping MCAs complete during peak season, minimizing winter obligations.
Winter Protection
Low deposits mean low payments. You will never face a $3,000 fixed payment when January deposits are $6,000. The structure protects against seasonal strain.
Speed Advantage
MCA typically funds faster than any other option. When spring needs arise, MCA can provide capital in 24-72 hours.
When Fixed Payments Hurt Landscaping
Seasonal businesses need financing that adjusts with seasonal reality.
Seasonal Payment Mismatch
Fixed $2,500 monthly payment is 4% of June revenue but 40% of January revenue. Traditional payments ignore seasonal reality.
Pre-Season Speed
Spring is 3 weeks away and you need equipment, staff, and supplies now. Bank timelines do not match seasonal urgency.
Credit Challenges
Past credit issues or limited credit history. Strong seasonal deposits should matter more than old credit damage.
Bank Declines
Banks see January financials and decline. They do not understand landscaping seasonality.
Emergency Timing
Truck engine fails mid-season. Equipment emergency requires immediate capital.
Weather Variation
Rainy month depresses revenue. Fixed payments do not adjust for weather impact.
Landscaping MCA Process
From application to funding in days, not weeks.
Application
Complete online application with business information.
5 minutes
Bank Statements
Upload 4+ months of bank statements showing seasonal deposit patterns.
Upload
Offer
Receive offer with advance amount, factor rate, and holdback percentage.
24-72 hours
Funding
Accept and receive funds deposited to your business account.
Same or next day
Capital That Matches Seasonal Deposits
MCA ties payments to your actual deposits. Peak season generates higher payments when you can afford them. Winter deposits generate proportionally lower payments. Built-in seasonal protection without special structures.
Automatic Seasonal Flex
Payments follow deposits. High summer means higher payments. Low winter means lower payments. No action required.
Fast Access
Most landscaping MCA applications receive decisions within 24-72 hours. Funding deposits same or next day.
Credit Flexibility
Deposit patterns and seasonal strength matter more than credit scores. Strong deposits can overcome credit challenges.
Peak Season Payoff
Strong peak seasons can complete repayment before winter. Minimize off-season financial obligations.
Weather Adjustment
Rainy months with lower deposits mean lower payments. Natural protection against weather variation.
No Collateral
Future deposits are the basis. No need to pledge trucks, equipment, or personal assets.
Landscaping MCA Applications
Situations where MCA speed and flexibility help landscaping businesses.
Pre-Season Rush
Spring is weeks away. Need capital fast for hiring, equipment, and supplies.
Typical funding: $15K-$50K
Equipment Emergency
Mower fails mid-season. Need replacement capital in days, not weeks.
Typical funding: $8K-$25K
Crew Expansion
Won commercial contracts requiring immediate crew addition.
Typical funding: $20K-$60K
Credit Challenges
Past credit issues but strong seasonal deposits. Need capital based on business performance.
Typical funding: $10K-$50K
Truck Purchase
Need work truck fast for growing operation.
Typical funding: $25K-$50K
Opportunity Capture
Equipment deal or commercial contract requires fast action.
Typical funding: $15K-$75K
MCA vs. Other Landscaping Financing
Understanding when MCA makes sense for your landscaping business.
| Feature | Landscaping MCA | Term Loan | Bank Loan |
|---|---|---|---|
| Speed | 24-72 hours | 1-3 weeks | 30-60 days |
| Payment Structure | % of deposits | Fixed monthly | Fixed monthly |
| Seasonal Adjustment | Automatic | None | None |
| Credit Requirements | Flexible | Moderate | Strict |
| Winter Payments | Drop automatically | Same as summer | Same as summer |
| Total Cost | Higher | Moderate | Lowest |
| Approval Rate | 70-80% | 50-60% | 25-35% |
| Best For | Speed/seasonal flex | Planned needs | Best credit/time |
Landscaping MCA Requirements
MCA qualification focuses on deposit patterns and seasonal performance.
Bank Deposits
Deposits showing seasonal patterns with clear peak season.
$12,000+ monthly average
Business History
Operating landscaping business with at least one full season.
6+ months minimum
Peak Season Strength
Strong peak season deposits demonstrating business viability.
Clear seasonal peak
Business Bank Account
Business checking with deposit history.
4+ months statements
No Active Bankruptcy
Cannot be in active bankruptcy. Past discharged bankruptcy may be acceptable.
No open BK
Active Operations
Currently operating with client activity.
Active business
MCA emphasizes deposit strength over credit scores. Strong seasonal deposits can overcome credit challenges.
Real Results
All Seasons Lawn Care
Residential & Commercial Lawn Care, Virginia
The Challenge
All Seasons needed $30,000 for pre-season preparation but had a 560 credit score from prior personal issues. Banks declined based on credit alone despite strong seasonal deposit history.
The Solution
We evaluated their deposit history showing $50,000+ peak season monthly deposits. MCA for $32,000 at 1.28 factor with 9% daily holdback.
The Result
Pre-season launched on time. Strong summer deposits accelerated repayment, completing in 8 months. Winter payments were minimal. All Seasons has since improved credit and qualified for better-rate products.
“My credit was damaged from years ago. But my landscaping business does $40,000-$60,000 monthly in summer. MCA looked at my deposits, not my credit history from the past.”
Landscaping MCA Data
Statistics on MCA for seasonal landscaping businesses.
Why Landscapers Choose MCA
Advantages of deposit-based funding for seasonal businesses.
Pre-Season Speed
Fund spring preparation fast when timing matters.
Winter Protection
Low deposits mean low payments. Built-in seasonal relief.
Credit Flexibility
Strong deposits matter more than credit history.
Emergency Response
Equipment failures get immediate response.
Peak Payoff
Strong summers can complete repayment before winter.
Simple Process
Bank statements and application. No tax returns required.