Landscaping businesses earn most of their revenue in a few months and live on uptime during them. A broken mower in May costs real money; a payment due in January, with no grass to cut, strains cash flow.
Structures that fit
- Seasonal payments that are higher in peak months
- Skip payments in the off-season
- Deferred start for equipment bought in late winter
One application for a fleet
Mowers, skid steers, trailers and trucks can usually be financed together on one application, which keeps paperwork and payments simple. As the business grows, adding a crew’s worth of equipment at once is often easier than buying piece by piece.
Replace before it breaks
Commercial mowers and handheld equipment wear out on a predictable schedule. Planning replacements in the off-season, with payments that start when work does, avoids buying in a hurry in the middle of the season at whatever price is available.
Add snow and ice
Many landscapers add snow removal to keep crews and revenue going through winter. Financing plows, spreaders and the trucks to carry them can turn the off-season into a second season, and makes year-round payments easier to carry.
Working capital
Spring brings hiring, fuel, plants and materials before invoices are paid. Commercial clients often pay on 30- to 60-day terms. Plan a working capital cushion before the season, not during it.
What lenders look at
Time in business, recurring maintenance contracts, bank statements across a full year (to see the seasonal pattern), and credit. Recurring commercial contracts make a strong case for seasonal payment structures.
All financing is subject to credit approval.
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