Landscaping & Lawn Care Funding That Grows With Your Season
Seasonal cash flow gaps shouldn't stop you from going into peak season fully prepared. Get $5,000–$500,000 to cover equipment and trucks, crew hiring, materials, and the lulls between seasons — with a decision in minutes and money in your account in as little as 24 hours.
The Seasonal Cash Flow Crunch Every Landscaping Business Knows
Spring is peak season, but the money needed to capitalize on it has to be in place by February. Equipment needs to be serviced or replaced before a single lawn gets cut. Crew hires happen weeks before the first billing cycle opens, and materials — mulch, sod, fertilizer, stone — have to be purchased well ahead of the installation schedules customers are already booking. Residential accounts pay slowly, commercial invoices can stretch 30 to 45 days out, and meanwhile insurance premiums, truck payments, and equipment maintenance run on their own calendar regardless of whether February generated any revenue.
ABC Funding provides fast, revenue-based capital designed specifically for the peaks and valleys of seasonal operations like landscaping and lawn care. We look at your trailing revenue across the full year — not just a slow winter month — so we can get capital into your account when you actually need it: ahead of the season, not after you've already scrambled through it. Whether you're funding a new mower, adding a truck-and-trailer rig for a second crew, or simply bridging the gap between March expenses and April billings, we move fast.
6 Ways Landscaping Businesses Use ABC Funding
Capital that fits how your business actually operates — not how a bank wishes it did.
Mowers, Trimmers & Equipment Upgrades
Replace aging zero-turns, add commercial walk-behind mowers, or upgrade your trimmer fleet — keep every crew member productive without depleting your operating reserves ahead of the season.
Trucks & Trailers
Add a truck-and-trailer combo to run a second crew route and double your service capacity. The right hauling setup is the equipment that makes scaling a landscaping operation actually possible.
Seasonal Crew Hiring & Payroll
Bring on seasonal workers in March before April billings arrive. Pay your crew on time without waiting on clients to process invoices — because your employees' rent doesn't care about your receivables.
Materials, Mulch & Sod Inventory
Front the cost of bulk mulch, decorative stone, sod, and fertilizer to take on larger contracts and higher-margin installs. Buy in volume, win the bigger jobs, and get reimbursed after installation.
Winter Snow Removal Equipment
Finance plows, salters, and snowblowers to diversify into year-round revenue without draining cash mid-season. Turn a slow-revenue winter into a second income stream instead of a dead zone.
Irrigation System & Hardscape Expansion
Add irrigation installation or hardscape design-and-build capabilities to move into higher-ticket work and land commercial accounts — without waiting years to self-fund the tooling and training.
Funding Options Built for Landscaping Businesses
Pick the product that fits your situation — or talk to a specialist who'll match you to the right structure.
Working Capital Loans
Cover payroll, materials, and operating costs while waiting on residential and commercial invoices to clear.
$5,000–$500,000
Learn moreShort-Term Loans
A lump sum for a specific seasonal need — a new mower, a trailer, bulk materials — paid back on a clear and predictable schedule.
Up to $500,000
Learn moreEquipment Financing
Buy mowers, trucks, trailers, plows, and commercial tools without touching your working capital reserves.
Up to $250,000
Learn moreBusiness Line of Credit
Draw what you need between jobs and across seasons — a revolving safety net for a business where cash flow is always moving.
Up to $250,000
Learn moreDo You Qualify?
Most landscaping and lawn care businesses get approved if they meet these simple benchmarks:
- 6+ months in business
- $10,000+ in average monthly revenue
- Active business bank account
- U.S.-based business
- No open bankruptcies
- Landscaping, lawn care, snow removal, or outdoor services business
We evaluate your revenue and cash flow — not just your credit score.
"I had 12 new commercial contracts lined up for spring but my equipment wasn't ready and I couldn't hire two more guys without cash upfront. I applied to ABC Funding in February and got $45,000 approved in hours. Bought a new mower, added a trailer, hired my crew. We were fully operational by March 15th. First time I'd ever gone into peak season fully prepared instead of scrambling."
Jorge Espinoza
Owner, Espinoza Landscaping — Colorado
How much could your landscaping business qualify for?
Slide to your amount and see an instant estimate — no signup, no credit check.
Landscaping & Lawn Care Funding — Frequently Asked Questions
Can I get funding in winter when my landscaping revenue is low?
Yes. We look at your average revenue across recent months — one slow season doesn't disqualify you. Funding in advance of peak season is exactly what we're built for. Many of our landscaping clients apply in January or February so they're fully capitalized before the first mow of spring.
Can I use equipment financing to buy a used zero-turn or truck?
Yes. We finance both new and used commercial equipment. The truck or mower secures the loan, so no additional collateral is needed beyond the equipment itself. Used zero-turns, commercial walk-behinds, and work trucks all qualify.
I pick up snow removal contracts in winter — can I finance a plow and salter?
Absolutely. Seasonal expansion equipment qualifies just like any other commercial equipment purchase. Whether you're adding a plow, a spreader and salter combo, or a dedicated snow removal truck, ABC Funding can finance it so you don't have to come up with the cash mid-season.
My revenue doubles from March to October — does that make qualifying harder?
No. Seasonal revenue patterns are completely normal for landscaping businesses, and we account for them. We evaluate your trailing months and annual revenue pattern — not just a single-month snapshot. A strong spring-through-fall average more than offsets a quieter winter period.
How quickly can I get funded to hire crews before spring?
Apply in minutes, get a decision fast, and funds can be in your account in as little as 24 hours. We're built specifically for the timing landscaping businesses need — funded before the ground thaws, not after your first billing cycle closes.
Ready to head into peak season fully loaded? Let's get you funded.
Apply in 60 seconds. No cost, no credit impact.