Running a landscaping business means more than mowing lawns and planting shrubs. It’s about staying efficient, professional, and competitive in a highly seasonal, equipment-driven industry. Whether you're scaling operations or simply replacing outdated gear, landscaping company loans can give you the capital needed to invest in the right tools for growth.
In this guide, we’ll cover how equipment financing works, what types of landscaping tools you can finance, and how to choose the best loan options for your business.
As a landscaping business grows, so does the demand for high-powered, reliable equipment. However, top-tier mowers, trailers, and excavation gear often come with steep upfront costs. Business loans allow you to spread out these expenses and maintain cash flow during busy or off-peak seasons.
Common reasons landscapers apply for loans:
Purchasing commercial-grade mowers, trimmers, or skid steers
Replacing aging trucks or trailers
Expanding your team with the right tools for every crew
Taking on commercial contracts that require more equipment
Covering equipment repairs or upgrades mid-season
Investing in technology (GPS mapping, CRM systems, etc.)
| Equipment Type | Estimated Cost Range |
|---|---|
| Commercial riding mowers | $5,000 – $15,000+ each |
| Skid steers or loaders | $20,000 – $60,000+ |
| Landscape trailers | $3,000 – $12,000 |
| Utility trucks or service vans | $25,000 – $75,000+ |
| Trimmers, blowers, chainsaws | $2,000 – $10,000 |
| Software and GPS systems | $1,000 – $7,000 |
This is the most common and accessible option for landscapers looking to buy or lease equipment.
How it works: The equipment itself serves as collateral, making it easier to qualify.
Ideal for: Mowers, excavators, trailers, or vehicles
Pros: Fast approval, lower credit barriers, long repayment terms
Cons: Can’t be used for anything outside the equipment purchase
If you need trucks or trailers to haul gear or transport your crew, vehicle financing allows you to spread out the cost without disrupting operations.
Use for: Service vans, dump trucks, enclosed trailers
Pros: May offer tax deductions on business-use vehicles
Cons: Requires full insurance; the vehicle acts as collateral
A revolving line of credit is perfect for landscaping companies with seasonal cash flow. Use it to pay for repairs, buy tools, or handle project delays.
Pros: Flexible, reusable funds
Cons: Often requires good credit; may come with annual fees
These government-backed loans offer excellent long-term financing with lower interest rates, making them ideal for larger purchases or multi-purpose funding.
Use for: Real estate, equipment, working capital
Pros: Favorable rates and long terms (up to 25 years)
Cons: Application process can be lengthy
🔗 Explore SBA Loans
When you need equipment mid-season or don’t have time for an SBA process, short-term loans from online lenders can deliver fast cash.
Pros: Approval in 24–72 hours
Cons: Higher interest rates and shorter terms (6–18 months)
Identify your exact equipment needs and budget
Gather financials – tax returns, revenue statements, equipment quotes
Check your credit score – both personal and business
Compare lenders for terms, interest rates, and fees
Apply with a clear plan for how the equipment will improve revenue
A landscaping company in Texas used a $40,000 equipment loan to purchase two commercial mowers and a utility trailer ahead of the spring season. Within three months, they expanded their client base by 35% and hired a second crew—an ROI they couldn’t have achieved without access to financing.
Replace old equipment that slows down job completion
Buy tools in the off-season at discounted prices
Launch a hardscaping or snow removal division
Reduce rental fees by owning your own skid steer or excavator
Increase efficiency and land higher-paying contracts
❌ Using short-term loans for long-term equipment
❌ Not calculating ROI before purchasing
❌ Ignoring lender fees or prepayment penalties
❌ Financing non-essential tools that don’t drive growth
❌ Overborrowing without a repayment plan
Jobber – Field Service Software for Landscapers
Your landscaping business is only as efficient as the equipment powering it. Strategic financing allows you to purchase the tools you need today—without compromising tomorrow’s cash flow. Whether you’re replacing a fleet of mowers, launching a new service line, or upgrading your tools for the season ahead, the right loan can turn those goals into results.
Don’t let capital hold your business back—finance smarter and grow faster.