Business funding for landscaping and snow removal companies
Landscaping and snow removal companies often run two businesses in one: a growing-season crew doing mowing, planting and hardscaping, and a winter operation on snow and ice contracts. Both need equipment bought or serviced well ahead of the season it earns money in, and winter contracts can pay a flat seasonal rate regardless of how much it actually snows.
- One application, several lenders
- No credit pull to see your options
- No fee to you, ever
Common funding needs
- Buying or replacing mowers, plows and salt spreaders before the season starts
- Covering payroll through a slow, mild winter or a dry summer stretch
- Financing trucks, trailers and attachments
- Bridging the gap before seasonal contract payments arrive
- Stocking salt and de-icing material ahead of winter
- Taking on a larger commercial landscaping contract
What usually fits
Products that usually fit
- Equipment financing for mowers, plows, spreaders and trailers.
- Line of credit for payroll and materials between seasonal contract payments.
- Working capital for a fast need tied to an unusually slow or unusually busy stretch.
- Term loan for expanding into a new service line or larger contracts.
Compare term loans, lines of credit, cash advances and equipment financing side by side →
Illustrative example
A worked example
A company finances a plow truck and spreader package worth $48,000 over 4 years at an illustrative 7–17% a year: payments come to about $1,149–$1,385 per month, or $55,172–$66,482 in total, timed to be manageable across both seasons.
A draw of $15,000 on a line of credit to cover payroll during a slow, low-snow month, repaid within 2 months once contract payments resume, costs roughly $250–$500 at an illustrative 10–20% a year.
Illustrative example only, not an offer or a quote. Rates, fees and terms are set by each lender and depend on your business. Fees are not included unless stated.
Underwriting
What lenders look at
- Split between growing-season revenue and winter contract revenue across a full year
- Whether snow contracts are flat-rate, per-push, or per-event
- Equipment age and any existing loans on mowers, plows or trucks
- Monthly deposits and how a mild winter or dry summer affected past years
- Commercial contracts in hand versus residential route work
- Owner credit and time in business
Honestly
Who this is not for
- A one-season operation with no winter revenue and no plan for the off months
- Buying more snow equipment than your contracted routes actually need
- Borrowing against a snow season that has not started yet with no flat-rate contracts to point to
If borrowing does not make sense, we will say so.
Are you a match?
Lender network minimums
Close but not quite there? Apply anyway and we will tell you honestly what is possible.
*Best available terms from lenders in our network. Every lender sets its own criteria; approval, amount and funding time are decided by the lender and not guaranteed.
| Time in business | 1 year+ |
|---|---|
| Monthly bank deposits | $20,000+ |
| Credit score | 500+ |
| Bank account | Business |
| Fee to you | $0 |
| Credit pull to start | None |
FAQ
Landscaping & snow removal funding questions
Do lenders understand that a mild winter means less snow revenue?
Lenders who work with seasonal trades read a full year of deposits, not one bad month. Flat-rate seasonal contracts also help, since they show income independent of snowfall.
Can I finance a used plow truck?
Some equipment lenders finance used trucks and attachments, often with age or mileage limits.
We do mowing in summer and plowing in winter under one company. Does that help or hurt?
It usually helps: it smooths out the seasonal swings a lender sees in your deposits compared with a business that only operates half the year.
Can I get funding before a busy season even though last season was slow?
Sometimes, especially with contracts already signed for the coming season. Bring the contracts and we will tell you honestly what is realistic.
Guides
Guides for landscaping & snow removal
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Where we work: all US states · all Canadian provinces
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