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Gear up for the season, carry the winter, and grow your crews with funding built for green-industry cash flow.
Landscaping and green-industry companies qualify for $5,000 to $10 million on 4+ months in business and $10,000 or more in monthly revenue, with funding within 24 hours of approval on deals up to $2 million — in time to buy before the season rather than after it. Landscaping is a business of seasons: revenue concentrates from spring through fall while mowers, trucks, trailers, and crews cost money all year. The companies that grow are the ones capitalized to buy equipment before the season, hire before the rush, and carry the quiet months without panic.
We fund lawn care, design-build, hardscaping, irrigation, tree service, and snow-removal operations at $5,000–$10 million. Underwriting reads seasonal swing as normal for the trade rather than as a warning sign, but a four-month window captures only part of a green-industry year, and the next paragraph explains what that does to the offer.
For a landscaper whose revenue follows the season, the hard part is not the seasonality but the four-month window. Underwriting reads four months of business bank statements, and no four-month slice of a green-industry year is clean. A window ending in early summer holds the winter trough, and a trough month far below the window's average is the month the offer gets sized against. A window ending in autumn holds no trough but falls off the peak, which on deposits alone is hard to tell apart from a business losing its customers. Choosing between those two shapes is worth doing and costs nothing, but it is not the fix. The fix is a document: last year's statements for the same four months, which turn a trough from an unexplained collapse into a date that repeats. A company that bills its maintenance contracts in equal monthly installments has neither problem.
Landscapers typically see 80%–150% of monthly revenue, within $5,000 to $10 million. A crew averaging $30,000 a month across its statements generally lands in the $24,000–$45,000 band. Because winter revenue can fall sharply, underwriting sizes against the window average when the weakest month is near it, and against the weakest month when it falls far below it.
Yes — seasonal patterns are expected in this industry. What the winter changes is size: when the weakest month in the four-month window falls far below the window's average, the remittance is sized to that month rather than to the average. Last year's statements for the same four months are what let the average stand; our guide to funding a seasonal business works the arithmetic through.
We arrange equipment financing through a direct lending partner; what we fund in house is working capital, which can pay for equipment too. A fleet purchase with a dealer quote is worth pricing both ways, and mixed needs — some equipment, some payroll — can be talked through together; tell your advisor the whole picture.
That’s a common use: plows, spreaders, and salt inventory funded off summer revenue, turning your quiet season into a revenue season. The equipment often pays for itself in one winter of contracts.
A winter month far below the window's average is what the remittance gets sized against, unless last year's statements for the same months show it is a date that repeats. If you have no snow or winter revenue, flag it — a schedule that peaks in January against zero income is the mistake to avoid.
You can: working capital we fund in house can pay for a mower or a truck. For a big machine, equipment financing is worth weighing too; we arrange it through a direct lending partner, on the partner’s written terms.
It removes the problem most landscaping files have to explain. When the contracts bill the same amount every month, deposits stay level through the winter, so any four-month window is representative and the offer is read off the average rather than cut down to a trough month. Say so on the application and have the contracts to hand, because recurring maintenance work supports the upper end of the range more readily than project work does. What level billing does not level is cost. Mulch, plants and extra crew hours fall due in a few spring weeks, so the balance dips then even though the deposits do not, and the average daily balance is the cushion a remittance is paid from. A window that closes before that spend reads better than one that closes in the middle of it.