Revenue-Based Financing for Landscaping Businesses
June deposits: $65,000 with peak season in full swing. January deposits: $8,000 during winter slow-down. Revenue-based financing ties payments to your actual deposits so you pay more when cash flows in and less when winter slows things down. Built-in seasonal flex.
How much funding do you need?
Drag the slider or type an amount
Perfect for Seasonal Landscaping
Revenue-based financing calculates payments as a percentage of your deposits. Since landscaping deposits follow seasonal patterns, payments automatically adjust without any action required.
Automatic Seasonal Adjustment
A 7% revenue share on $60,000 June deposits means $4,200 payment. That same 7% on $10,000 January deposits means $700. Built-in seasonal flex without special structures.
Peak Season Acceleration
Higher peak season payments mean faster payoff when you can most afford it. Strong summers can complete repayment before winter hits.
Winter Protection
Low winter deposits automatically mean low winter payments. No stress about meeting fixed obligations during naturally slow months.
Cash Flow Alignment
Payments always remain proportional to cash coming in. Never pay more than your percentage regardless of business conditions.
Why Fixed Payments Hurt Landscaping
Seasonal revenue with fixed payments creates winter stress and summer constraint.
Fixed Payments in Seasonal Business
A $3,000 monthly payment feels manageable in June with $60,000 revenue. That same $3,000 in January with $8,000 revenue is crushing.
Winter Cash Strain
Fixed loan payments continue at full amount through winter when revenue drops 80%. Cash reserves deplete rapidly.
Unpredictable Season Length
Early spring or late fall can extend or compress revenue. Fixed payments cannot adjust for seasonal variation.
Weather Impact
Rainy months, droughts, or extreme weather affect revenue. Fixed payments ignore weather impact on cash flow.
Year-to-Year Variation
Some seasons are stronger than others. Fixed payments assume consistent performance that seasonality makes impossible.
Growth Reinvestment
Fixed payments during peak season remove cash needed for growth reinvestment. Success cannot fund more success.
Revenue-Based Financing Process
From application to funding in days.
Application
Complete online application with business information.
10 minutes
Bank Statements
Provide 4-6 months of bank statements showing seasonal deposit patterns.
Upload documents
Offer
Receive offer with advance amount, factor rate, and revenue share percentage.
24-72 hours
Funding
Accept and receive funds. Payments automatically flex with your deposits.
Same or next day
Payments That Match Your Season
Revenue-based financing ties payments to your actual deposits. During peak season, you pay more (when you can afford it). During winter, payments drop automatically. No seasonal payment adjustments needed because the structure handles it automatically.
Automatic Seasonal Flex
Payments follow your deposits. High season means higher payments you can afford. Winter means lower payments you need.
Peak Season Payoff
Strong peak seasons accelerate repayment. Finish paying during high-revenue months rather than dragging into winter.
Winter Protection
January deposits of $8,000 at 8% means only $640 payment. Built-in protection for slow season.
Fast Access
Most applications receive decisions within 24-72 hours. Funding deposits same or next day.
Predictable Percentage
Always the same percentage of deposits. Know exactly what payment will be based on your cash flow.
Credit Flexibility
Deposit patterns and seasonal strength matter more than credit scores. Strong seasons offset credit challenges.
Revenue-Based for Landscaping
Situations where deposit-based payments work best for landscaping.
Pre-Season Investment
Fund pre-season preparation. Heavy payments during peak season when revenue supports them.
Typical funding: $25K-$75K
Equipment Purchase
Finance equipment with payments that track your seasonal revenue patterns.
Typical funding: $15K-$60K
Crew Expansion
Add capacity with financing that automatically adjusts when new crew revenue comes online.
Typical funding: $30K-$100K
Commercial Growth
Take on commercial accounts. Payment increases track with new commercial revenue.
Typical funding: $25K-$100K
Winter Bridge
Bridge slow season. Low deposits mean low payments through winter.
Typical funding: $15K-$40K
Marketing Push
Fund spring marketing. Pay for it during peak season when marketing generates revenue.
Typical funding: $10K-$30K
Revenue-Based vs. Fixed Payment Loans
Understanding why revenue-based works for seasonal landscaping.
| Feature | Revenue-Based | Fixed Term Loan | Line of Credit |
|---|---|---|---|
| Payment Structure | % of deposits | Fixed monthly | Interest on draws |
| Seasonal Adjustment | Automatic | None | Manual draws |
| Winter Payments | Drop with revenue | Same as summer | Interest on balance |
| Peak Season | Pay more, payoff faster | Same payment | Pay down balance |
| Weather Protection | Built-in | None | Partial |
| Speed | 24-72 hours | 1-3 weeks | 3-10 days |
| Best For | Seasonal businesses | Stable revenue | Ongoing needs |
Revenue-Based Requirements
Qualification focuses on deposit patterns and seasonal performance.
Bank Deposits
Deposits showing seasonal patterns with strong peak season.
$15,000+ monthly average
Business History
Established landscaping business with at least one full seasonal cycle.
1+ year preferred
Peak Season Strength
Strong peak season deposits demonstrating business viability.
Clear peak performance
Business Bank Account
Business checking showing seasonal deposit patterns.
4+ months statements
No Active Bankruptcy
Cannot be in active bankruptcy. Past discharged bankruptcy may be acceptable.
No open BK
Active Operations
Currently operating landscaping business with client flow.
Active business
Revenue-based financing emphasizes peak season deposits over credit scores. Strong seasonal performance supports approval.
Real Results
Northern Landscaping LLC
Full-Service Landscaping, Minnesota
The Challenge
Northern's extreme seasonality meant $80,000 monthly summer deposits but only $5,000 winter deposits. Fixed loan payments of $4,500 were crushing during winter months.
The Solution
Revenue-based financing for $60,000 at 8% of deposits. Summer payments averaged $6,400. Winter payments dropped to $400 automatically.
The Result
Financing repaid primarily during peak season. Winter cash flow pressure eliminated. Northern has used revenue-based financing for two seasons now, appreciating automatic seasonal adjustment.
“Our summers generate 90% of annual revenue. Revenue-based financing means we pay 90% of the financing during summer when we can afford it. Winter payments are almost nothing.”
Seasonal Landscaping Data
Statistics illustrating landscaping seasonal patterns.
Why Landscapers Choose Revenue-Based
Advantages of deposit-based financing for seasonal businesses.
Automatic Seasonal
No need to request payment adjustments. Structure handles seasonality automatically.
Winter Relief
Low deposits mean low payments. Built-in protection for slow months.
Peak Acceleration
Strong summers can complete repayment before winter. Front-load payments when affordable.
Weather Adjustment
Bad weather months automatically reduce payments. Revenue alignment provides protection.
Cash Flow Match
Payments always proportional to actual cash coming in. Never overstress cash flow.
Growth Support
As business grows, payments track growth. Success funds itself proportionally.