Landscaping Business Loans & Financing

Find the Best Financing for Your Landscaping Business. Compare, Choose, and Save.

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Choosing the Best Landscaping Company Loan Program

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.

 

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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

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Short-Term Business Loans

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Equipment Loans

Landscaping companies rely on up-to-date equipment and tools to provide excellent results for their clients. This equipment can be incredibly expensive, but with equipment loans, you can use purchased equipment as collateral to free up cash flow for your day-to-day operations. Landscaping equipment is crucial for growing and expanding operations. Whether you’re lacking the right landscaping equipment, it has broken down, or you need to upgrade — our equipment financing options can help you today.

Benefits of Equipment Loans & Financing

  • Simple and fast application process
  • Limited paperwork requirements
  • 1 to 5 year repayment period
  • Monthly payment schedule

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Equipment Loans

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SBA Loans

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.

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SBA Loans

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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

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Merchant Cash Advances

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Invoice Financing

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

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Invoice Financing

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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 

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Business Lines of Credit

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How to Use Landscaping Business Loans Today

Landscaping companies like yours need capital to keep up with daily operations, purchase equipment, handle marketing, and so much more.Let’s take a look at how you can take advantage of landscaping business loans from lenders like
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

Most small businesses have some type of equipment. Perhaps you’re a business that requires machinery, furniture, medical equipment, construction equipment, computers, or tools. These are common requests from restaurants, auto repair shops, construction industries, medical practices, and manufacturers.

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.

The fast, convenient and straightforward way to get the money you need for your business – now!

Get your quote today by filling out the simple form on our website.

Get Quote Now!

The fast, convenient, and straightforward way to get the money you need for your small business – now!

Get your quote today by filling out our simple form.