Running a landscaping or lawn care business requires reliable, high-performance equipment. Zero-turn mowers, stand-on mowers, trimmers, blowers, and other commercial-grade tools are essential for efficiency and professional results. But with zero-turn mowers often costing $7,000–$15,000+ each, and full fleets running much higher, the upfront investment can be overwhelming.
That’s why many landscaping professionals choose equipment financing—to spread out costs, preserve cash flow, and scale their businesses quickly.
Preserve Cash Flow – Avoid draining savings to cover large upfront equipment purchases.
Scale Your Business – Add more machines to take on larger or multiple contracts.
Predictable Payments – Budget with fixed monthly installments.
Access to Better Equipment – Finance higher-end, durable models that boost efficiency.
Tax Advantages – Interest and depreciation may be deductible (consult your tax professional).
✔ Zero-Turn Mowers – The backbone of commercial landscaping operations.
✔ Stand-On & Walk-Behind Mowers – Ideal for tight spaces and smaller properties.
✔ String Trimmers & Edgers – For precision trimming along sidewalks and driveways.
✔ Leaf Blowers & Vacuums – For clean, finished jobs.
✔ Trailers & Utility Vehicles – To transport crews and equipment.
Borrow funds to purchase equipment outright.
You own the equipment from day one.
Terms usually range from 2–7 years.
Lower monthly payments compared to loans.
Option to upgrade machines at the end of the lease.
Ideal for equipment that wears down quickly.
Hybrid option that allows you to own the equipment once payments are completed.
Great for small and mid-sized landscapers.
Longer repayment terms and lower interest rates.
Can be used for both equipment and operating expenses.
A landscaping company needs:
2 Zero-Turn Mowers @ $12,000 each = $24,000
Trimmers, Blowers, & Edgers = $6,000
Enclosed Trailer = $10,000
Total Investment: $40,000
With an equipment loan at 7% for 5 years:
Monthly Payment: ~$792
If each mower generates $2,000–$3,000/month in service revenue, financing is quickly offset by new income streams.
✔ Maintain good credit to secure better terms.
✔ Compare multiple lenders, including banks, credit unions, and equipment finance companies.
✔ Bundle multiple pieces of equipment into one financing package.
✔ Track ROI—ensure financed equipment pays for itself quickly.
✔ Consider seasonal payment plans that align with landscaping revenue cycles.
For lawn care and landscaping businesses, zero-turn mowers and commercial equipment are non-negotiable. Financing gives you access to the gear you need today while keeping your business financially stable. Whether you choose loans, leasing, or lease-to-own, smart financing ensures you can scale operations, win larger contracts, and grow revenue without straining your cash flow.