Can I get equipment financing for commercial mowers and trucks?

Yes. We finance all landscaping equipment including zero-turn mowers, skid steers, trucks, trailers, and specialty attachments. The equipment itself serves as collateral, so no additional security is needed.

My business is seasonal. Can I still qualify?

Absolutely. We understand the seasonal nature of landscaping. Our products are designed to bridge winter off-seasons with payments that adjust to your revenue cycle.

I need working capital to hire crews for spring. How fast can I get funded?

Working capital through our MCA and line of credit products can be approved in 24 hours and funded within 1-2 business days. Apply before the season starts to be ready on day one.

Do you require collateral for landscaping business loans?

Most products do not require collateral beyond the equipment being financed. MCAs and lines of credit are unsecured and based on your monthly revenue.

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Business Funding for Landscaping & Lawn Care

Equipment financing, working capital, and seasonal funding for landscaping companies. Get the capital to grow your crew and your territory.

Get Funded Now Find My Loan Match

No Obligation

No Collateral

2-Minute App

$72K

Avg. Funded Amount

93%

Approval Rate

24 hrs

Avg. Funding Time

1,200+

Landscapers Funded

Why Landscaping & Lawn Care Businesses Choose Slate Financial

Landscaping and lawn care businesses are capital-intensive and highly seasonal. You need trucks, mowers, and equipment before revenue starts flowing in spring. Slate Financial helps landscaping companies purchase equipment, hire crews, and bridge the winter off-season so you are ready to hit the ground running when the season starts.

Common Challenges

Equipment costs are high and need to be purchased before earning season

Winter months create 3-4 months of little or no revenue

Commercial clients pay on slow net-30 to net-60 terms

Hiring seasonal crews requires upfront payroll commitments

Traditional banks view landscaping as too seasonal and risky

How We Help

Equipment financing for mowers, trucks, and trailers

Lines of credit to bridge winter off-season cash gaps

MCAs for fast working capital during seasonal transitions

Term loans for fleet expansion and business growth

PO factoring against commercial contracts for immediate cash

Common Funding Needs

What Landscaping & Lawn Care Businesses Use Capital For

Commercial mowers, zero-turns, and specialty equipment

Trucks, trailers, and fleet expansion

Crew hiring and payroll during spring ramp-up

Marketing and lead generation for new accounts

Snow removal equipment for winter revenue diversification

Best Funding Options for Landscaping & Lawn Care

Matched to your industry's unique needs and cash flow patterns

Equipment Lending

$10K – $5M

24–48 hours

Finance new or used equipment with competitive rates and flexible terms up to 84 months.

Up to 100% financing New & used equipment Terms up to 84 months

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Lines of Credit

$10K – $1M

24–48 hours

Flexible revolving credit lines — draw what you need, when you need it, and only pay interest on what you use.

Draw on-demand Revolving credit Only pay interest on what you use

Apply Now

Merchant Cash Advance

$5K – $2M

24 hours

Fast working capital based on your future sales. Get funded in as little as 24 hours with minimal paperwork.

Approval based on revenue, not credit No fixed monthly payments Same-day decisions

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Term Loans

$25K – $5M

24–72 hours

Fixed-rate business term loans with predictable payments and competitive rates for established businesses.

Fixed monthly payments 1–5 year terms Competitive rates

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Purchase Order Factoring

$50K – $10M

48–72 hours

Turn your purchase orders into immediate cash — finance up to 100% of your PO value.

Up to 100% PO financing No debt added to balance sheet Scales with your business

Apply Now

How It Works

Get Funded in 3 Simple Steps

STEP 01

Apply Online

Complete our simple 2-minute application. No paperwork, no hidden fees.

STEP 02

Get Matched & Approved

Our team matches you with the best products for your industry and gets you approved in as little as 4 hours.

STEP 03

Receive Your Funds

Funds are deposited directly into your business account within 24 hours of approval.

Why Slate Financial

Built to Get You Funded

AI-Powered Underwriting

We match your profile to the right capital fast, with no guesswork.

Licensed in All 50 States

Nationwide coverage so we can fund businesses wherever you operate.

15+ Loan Products

From lines of credit to commercial real estate, matched to your needs.

Funding in as Little as 24 Hours

Move quickly once you're approved, without drawn-out paperwork.

We Never Sell Your Data

Your information stays with us and is used only to fund your business.

States licensed

24hr

Funding speed

$50M

Max deal size

6,000+

Capital sources

FAQ

Landscaping & Lawn Care Funding Questions

Get Funded for Your Landscaping & Lawn Care Business

Join thousands of landscaping & lawn care businesses that trust Slate Financial. Apply in 2 minutes. Get funded as fast as 24 hours.

No Obligation

No Collateral Required

Same-Day Decisions

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