As a landscaping business owner, you need loans and financing options that work for your company — not against it. Professional landscaping is about more than just retaining walls and gorgeous plantings; it’s about retaining customers through high-quality work. The landscaping business can be capital intensive, especially to scale and grow effectively.
As a small business, you need to be adaptable and proactive with your financing opportunities. Whether it’s dealing with seasonal changes, equipment needs, marketing spend, and more, the landscaping industry faces unique challenges:
• Cash flow
• Employee retention
• Intensive training
• Equipment maintenance and new purchases
• Staying up-to-date on regulatory guidelines
• Standing out above the competition
When juggling all of these various small business hurdles, the last thing you want is to deal with unforgiving bank loans or worry about jumping through traditional financing hoops.
Here at AdvancePoint Capital, we offer alternative business loans and financing opportunities for landscaping companies that need it most. We’ve helped countless small businesses through a wide range of loans and business funding products — helping landscaping companies like yours grow and expand operations.
The 6 Best Landscaping Business Loan & Financing Options
Short-Term Business Loans
For landscaping business owners looking to take control of quick and easy financing options, short-term business loans are a fantastic choice. With repayment terms ranging between 6 to 18 months, you can get a lump sum of much-needed cash. You can opt to have a fixed payment auto deducted from your business bank account weekly, bi-weekly, or every month. A short-term business loan for landscaping requires little paperwork and has lenient credit score requirements so that you can get the cash you need today.
Benefits of a Short-Term Loan
- Credit accepted from excellent to poor
- Wide range of uses: working capital, renovations, etc.
- Same to next day funding with a fast and easy approval process
While the Small Business Administration (SBA) are not lenders, they do provide guarantees to lenders looking to provide a lawn care business or landscaping business with funding. They offer a wide range of funding programs and opportunities that landscaping businesses can utilize. These small business loans come in all shapes and sizes with attractive interest rates as well. With great flexibility and terms comes rigid requirements. If you’re considering loan options for your landscaping business from the SBA — you will need to have good to excellent credit. We can work with your business to unlock loans for landscaping enterprises looking for the best possible deal. Let’s break down two of the most common landscaping business financing options from the SBA that you can take advantage of today.
Small Business Administration 7(a) Loans
This is the most popular and flexible business loan option that the Small Business Administration has to offer. There are several programs within this offer, allowing lenders and borrowers to discover the best possible solution for their landscaping business.
Small Business Administration 504 Loans
This business term loan is used for significant amounts of capital such as real estate transactions, renovations, and more. The use of funds does have imitations, and must be used for fixed assets such as owner-occupied commercial property, real estate, construction, etc.
Merchant Cash Advance
A merchant cash advance, also known as an MCA, offers one of the fastest avenues to instant cash flow for your landscaping business. If you own a lawn care business or landscaping company, there’s a good chance that you have certain seasons that are more profitable than others. A merchant cash advance is not one of your traditional loan options, but instead a cash advance against your future credit card sales. We will help you get access to instant cash in exchange for a percentage of your future landscaping business sales. Repayment is automatically deducted from your business’s bank account until payback obligation is completed. Estimated time to repay is 6-18 months with no term limits.
Benefits of Merchant Cash Advances:
- Flexible option for instant cash flow
- Great for business owners with less than stellar credit
- Only 6 months time in business requirement
- Great for seasonal businesses
If you’re struggling with payroll, overhead, or working capital needs because you’re waiting on invoice payments from your customers — you need invoice financing. For a small percentage of the invoice, you can access instant capital. We will advance your landscaping business 80% of the outstanding invoice amount upfront — and once the customer pays, we release the remaining portion minus factoring and processing fees. Compared to other small business loans, invoice financing doesn’t look at your credit score but instead looks at the credit from the company that owes you.
Benefits of Equipment Loans & Financing:
- Leverage outstanding invoice for instant cash
- No credit check
- Unlimited use of funds
- $100k to $10 million
Business Line of Credit
We also offer a business line of credit option for landscaping companies across the country. This is one of the greatest funding opportunities that a landscaping business owner can have in their financial toolbox. A line of credit works similarly to a business credit card, where you are able to draw against a maximum agreed-upon amount. You only pay interest on what you use, which provides unmatched flexibility as one of the best revolving funding opportunities. You can use the funds for working capital, payroll, emergency purchases, equipment malfunctions — whatever you need.
Benefits of a Business Line of Credit:
- Unlimited use of funds
- Revolving funds
- Great for seasonal landscaping companies
- Better interest rates than most business credit cards
How to Use Landscaping Business Loans Today
AdvancePoint Capital today.
Instant Cash Flow
|Whether you’re in a seasonal dip or need access to emergency funds, we offer a wide range of loan options and advances to use when you’re in a pinch. It’s crucial to keep up with day-to-day operations even when cash flow is minimal. We offer a sound route to the capital you need — when you need it most.|
New or Upgraded Equipment
|From riding lawn mowers and storage equipment to safety gear and digging tools — there’s no shortage of equipment in the landscaping ecosystem. That’s why you need access to equipment financing options that work for you, not against you. We offer incredible programs for equipment financing that provide you with options and allow you to get access to the cash flow you need today.|
Boost Your Marketing
|What good is owning the best landscaping business around if nobody hears about it? Take charge of your marketing spend by leveraging financing options from AdvancePoint capital to spearhead ad spend and reach an entirely new customer base. Tackle new markets, expand your reach, and boost brand awareness using flexible funding packages.|
Applying For Landscaping Business Financing
We help companies like you apply for and obtain landscaping business loans and funding opportunities through years of dedicated experience and successful partnerships. Whether you’re looking for equipment financing, term loans, advance options, and beyond — we provide a wide range of small business loans for landscaping companies of all shapes and sizes.
Most landscaping companies are seasonal, which means there will be times where financial strength is on your side. AdvancePoint Capital makes applying for a small business loan fast and easy. We want to see our customers succeed, which means we’ll help you get a quote that empowers your business ventures.