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An Overview of Landscaping Business Loans
The landscaping industry is estimated to grow by $79.01 billion between 2021-2025, according to BusinessWire. Privately owned landscaping and gardening businesses make up a majority of the industry, meaning many customers rely on businesses like yours to keep their yards beautiful and maintained. Yet landscapers know the industry can be met with challenges – like business slowing down in the winter months and demand increasing come spring. When it comes to running a successful landscaping business, you need to have the ability to weather fluctuations in business.
A landscaping small business loan can:
- Give your business a boost of capital during the off-season
- Provide support when supply chain issues arise
- Offset the impact of inflation on your business
- Help propel your business forward during a time of growth.
When you need access to fast, reliable funding, SmallBusinessLoans.com steps in to quickly connect you with a leading alternative lender. Our lending partners have experience working with landscaping businesses and know the challenges your industry faces. You can secure the capital you need in as little as 24 hours1 so you can get back to what matters most – running your landscaping and gardening business.
On this page, you’ll learn about alternative lending options, their qualifications, what option might work best for your business, and how to connect with a trusted lender.
What is a landscaping loan business?
A landscaping small business loan is a financing solution catering to gardening and lawn care businesses, providing access to funding that can be used toward a variety of business expenses. Landscapers can pay for new equipment, hire workers, or cover costs during the slow seasons with a small business loan.
An alternative lender, like our partners here at SmallBusinessLoans.com, helps landscaping businesses fill gaps in funding when traditional lenders slow businesses down. Our experienced partners provide funding with much less requirements than traditional banks or government institutions so you can get the capital you need quickly and efficiently.
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Types of landscaping business loans
There are many loan types available to suit every kind of landscaping business need. SmallBusinessLoans.com partners with lenders who are experienced in customizing loans for landscaping businesses. Here are common loan types that might work for you:
Short-term business loan
Short-term business loans are temporary financing solutions with short repayment terms, often one year or less. These loans are perfect for quick funding needs such as covering unexpected business expenses or keeping the business afloat during seasonal downtimes.
Working capital loan
A working capital loan helps landscape businesses bridge the gap in cash flow by covering everyday costs such as stocking up on inventory, equipment maintenance, and employee payroll. This type of landscaping business loan can be used only for operational costs. It is not suited for buying long-term assets or expanding the business.
Landscape equipment financing
Equipment financing helps landscapers pay for new equipment or upgrades critical to their business. From lawn levelers to soil compactors, many types of new or pre-owned equipment qualifies.
When to apply for landscaping small business loans
Whether you’re looking to mitigate rising costs of running a business or stay soluble during the winter, a landscaping business loan can cover a variety of business expenses. You can use your landscaping and gardening business loan for expenses like:
- Hire seasonal workers
When your business gets busier in the spring and summer, hire the workforce you need to keep up with demand Invest in your staff with training programs and equipment to help them work more efficiently
- Finance landscaping equipment
It takes a lot of equipment to run a lawn care business. Purchase weed trimmers, leaf blowers, lawn rollers, gardening shears, or any other landscaping tool your team might need. Upgrade trucks or trailers for your business.
- Manage rising costs and inflation
The cost of goods needed to run a landscaping business seems to rise each year. Getting a landscaping business loan can actually help mitigate inflation and keep your business running. Have cash on hand to find solutions to supply chain issues.
- Protect your business
Use the funds to purchase insurance in case of employee injury on the job. Ensure your equipment is updated and maintained to prevent accidents
- Expand your landscaping business
Whether you are branching out to new service locations or acquiring an existing business, landscapers with business expansion plans can access quick and reliable funding through landscaping business loans.
- Balance cash flow fluctuations
Don’t let seasonal slumps in business impact your cash flow. When your cash reserves are down, you can rely on lawn care business loans to help you pay for business operating expenses.
Qualifying for a landscaping business loan
Our lending partners keep qualifications for a landscaping small business loan simple. Now that you have an idea of what loan might work best for you and how you can use the loan to finance your business, let’s break down the eligibility requirements.
Here’s an example of what you may need to qualify:
- Your landscaping business should be operational for at least 6 months.
- Your minimum annual gross sales is $250,000.
- Your business credit score ranges between fair to excellent.
Many traditional lenders require businesses to meet their stringent loan eligibility criteria – but with an alternative lender, our partners keep the qualifications fairly simple and ensure the documentation is down to a minimum. Required materials are often limited to a credit check and bank statements so you can get approved for funding faster.
How do I get a landscaping loan for my business?
With flexible qualifications, it’s efficient to get approved for a landscaping business loan. Let’s take a look at how to proceed with securing a loan for your business. We broke it down in five easy steps.
- The landscaping business owner determines the loan they can afford and if they meet the minimum qualifications for a loan set by the lender. Most alternative lenders require a business to be in operation for six months and a minimum of $250,000 in annual gross sales.
- The landscaping business owner then fills out an application and provides the required materials. Often, you’ll be asked to provide income statements and business and personal credit scores.
- The lender examines the loan application, credit history of the borrower, and other qualifications. At SmallBusinessLoans.com, you’ll be paired with a lender who quickly reviews applications.
- The lender determines the loan amount, interest rate, and repayment terms. If the landscaping business owner accepts the loan terms, the funds are then transferred to the business.
- The landscaping business owner repays the loan according to the terms of the agreement.
Why work with SmallBusinessLoans.com?
- Get funding of up to $500,0001
- Fast and reliable funding in 24 hours1
- Experienced alternative lenders working with landscaping companies
- Flexible loan terms tailored to your business needs
- Multiple loan types on offer
- Fair and simple loan qualification requirements
We’re committed to helping small businesses like yours succeed. With SmallBusinessLoans.com, plan for growth or get through the off-season without sacrificing capital. Get matched with one of our trusted partners who specializes in the unique needs of a landscaping business.
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Frequently Asked Questions
Do you have more questions about landscaping small business loans? We have answers for you.
SBA loans can be used for landscape and gardening businesses. However, SBA loans have extensive requirements and long approval times, which makes it difficult to secure funding in a timely manner. Alternative lenders provide fast processing times and easier-to-meet qualifications with higher approval ratings. To learn more, check out SBA loans vs. Alternative Business Loans.
Most traditional lenders require a high credit score to get approved for a loan. The lending partners at SmallBusinessLoans.com have much more flexible qualifications and can accept fair to excellent credit scores.
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