Spring contracts won’t wait for slow lenders.
You need powerful gear—compact loaders, skid-steers, tree-care lifts—now, but dropping $60K+ would choke your cash flow just as mulch season hits.
Problem: Up-front equipment costs paired with seasonal revenue dips.
Solution: Fast, flexible landscape equipment financing that preserves capital, locks predictable payments, and gets iron on the trailer this week.
We fund titled machinery landscapers use every day:
Skid-steers & mini skid-steers
Compact track loaders & excavators (≤ 15,000 lbs)
Tree-care aerial lifts & stump grinders
Hydroseeders & bark blowers
Dump & equipment trailers (titled)
Need something unique? Send your vendor link—odds are we’ve financed one before.
| Program | Best if you… | Term | End of term |
|---|---|---|---|
| Equipment loan | Want straight-line ownership & max depreciation | 24 – 60 mo | Title in your name from day 1 |
| $1 buyout lease | Prefer the lowest possible monthly payment & easier early-upgrade | 36 – 72 mo | Pay final $1, own it |
Both options run through our single 5-minute encrypted application.
Ready to price your new skid-steer?
→ Click here to launch our Payment & ROI Calculator and lock today’s rate with a 5-minute app.
A $48,000 compact loader at $989/mo (60 mo, 7.99 % APR, $0 down*) keeps nearly $47K in your checking account—fuel for payroll, diesel, and sod deliveries.
Write off up to 100 % of the purchase price in year one. At a 22 % tax bracket, that’s a ~$10,500 reduction—often covering your first 10–12 payments.
Sample payment based on prime profile: 650 + FICO & ≥ 2 yrs in business. Subject to credit approval.
Prime (650 + FICO, 2 yrs TIB): 6.99 – 11.99 % APR, $0 down possible
Start-ups (675 + FICO): 10.99 – 14.99 % APR, 20 % down
Sub-600 credit: 20 % + down, 20 % + APR, 24–36 mo terms
Data: 312 closings across 17 funding partners, Jan–Mar 2025.
Expect +1–2 pts on units older than 7 yrs or >2,000 hours. Trailers over 10 yrs may cap at 48 mo.
Last 3 months business bank statements (PDF)
Owner driver’s license (front & back)
Vendor invoice or live web URL for the unit
Show snow-plow, holiday-lighting, or winter pruning contracts to offset Q1/Q4 dips.
Maintain ≥ 4 daily balances > $2,500 in winter months to strengthen approval odds.
256-bit AES encryption—same as Fortune 500 banks
Soft credit pull—no score impact
AI engine matches you to 34 lender matrices
Analyst verifies equipment & dealer titling
Term sheet emailed—accept electronically, pick first-payment date
Sign docs Tuesday → Vendor paid Thursday
Lien perfected & title released to you → pick up gear Friday morning
No pre-pay penalty after 12 mo for most programs
Roll equity into a bigger loader when your job count doubles
Stop letting broken gear limit your bids.
Apply now for landscape equipment financing and get an approval before lunch.
| Profile | Down | Rate | Term |
|---|---|---|---|
| Prime (650 + FICO, 2 yrs TIB) | $0 | 6.99 – 11.99 % | 36–60 mo |
| Start-up (675 + FICO) | 20 % | 10.99 – 14.99 % | 24–60 mo |
| Credit-challenged (< 600) | 20 % + | 20 % + | 24–36 mo |
Homeownership or additional collateral can lower both down payment and APR.
Dump Truck Financing – haul-off trucks for site prep
Used Dump Truck Loan Guide – age-based rate impacts
Dump Truck Loan Requirements Explained – doc set parallels you can reuse
