A landscaping company is a rolling equipment portfolio: $15K zero-turns, $8K trailers, blowers, trimmers, maybe a mini skid. The business case for financing it is simple - a commercial mower earns $250-400/day in season - but the structure question matters more here than almost anywhere: what happens to the payment in January?
The equipment stack and its costs
| Equipment | Price | Monthly (48 mo approx.) |
|---|---|---|
| Commercial zero-turn | $9K - $18K | $230 - $450 |
| Enclosed trailer setup | $8K - $16K | $200 - $400 |
| Full crew package (mowers+trailer+handhelds) | $30K - $55K | $740 - $1,350 |
| Mini skid / compact loader | $25K - $50K | $620 - $1,230 |
Winter-proofing the payment
Seasonal skip-payment structures - full payments April-November, token or zero payments December-March - exist across equipment lending and are criminally under-requested. If you plow snow, the opposite calendar works too. Total interest runs slightly higher; your January anxiety runs dramatically lower. Ask explicitly; lenders quote flat schedules by default.
One package beats five receipts
Financing the whole crew setup - mowers, trailer, handhelds - as one bundled deal gets equipment-loan rates on items that would otherwise land on a 24% credit card, and leaves one payment to manage instead of five.
60-Second Funding Check
No credit pull. No obligation. Just a straight answer.
What do you need funding for?
Green-industry deals, done weekly
Dealerun partners fund landscaping and lawn-care operators constantly - crew packages, seasonal schedules, and honest advice on used vs. new for your route density.
Build your crew package
The whole setup, one payment, winter accounted for.
FAQ
Can a first-year lawn care business finance equipment?+
Yes - commercial mower deals approve for new operators with decent personal credit and often a modest down payment. Route contracts or recurring-client lists strengthen the file meaningfully.
Should I finance handheld equipment too?+
As part of a package, yes - it rounds the deal at equipment rates. Standalone financing for a $600 trimmer, no; that's what the business card is for.
Get a callback from a funding specialist
Real questions, straight answers - no scripts, no pressure.
No credit impact. We never sell your information.
Ready to put this to work?
See what funding your business qualifies for - it takes two minutes and won't affect your credit.