equipment financing for landscaping & lawn care
Equipment Financing for Landscaping & Lawn Care businesses. Built for landscaping & lawn care cash flow.
Finance the trucks, machines, refrigeration, diagnostic gear, or production equipment your business runs on. The equipment itself serves as collateral, which unlocks longer terms and lower rates than unsecured working capital.
- Max funding
- $1M
- Term
- 2–7 years
- Time to fund
- 24 hours
- Min FICO
- 500+
The short answer
Is Equipment the right fit for Landscaping & Lawn Care businesses?
Finance mowers, trucks, trailers, snowplows, and irrigation equipment with the equipment as collateral.
Last updated 2026-06-24
Why this fit
Common cash-flow gaps in landscaping & lawn care. Equipment Financing maps to the ones below.
These are the underwriting realities and operational pressures we see most often in this industry.
Spring Startup Capital
March–April requires uniforms, vehicle prep, mulch inventory, and crew hiring, all paid for before the first mow generates revenue.
Equipment Fleet Growth
Adding a second crew means another trailer, mower set, and pickup. Equipment financing on the bundle closes faster than any dealer floor plan.
Snow Removal Capital
Commercial snow plow contracts pay after the season. Bridge capital funds the plows, salt, and drivers until the invoices clear in February.
Representative scenario
What a typical landscaping & lawn care equipment financing looks like. Numbers below are illustrative.
Your actual offer depends on your bank statement history, time in business, credit profile, and existing debt.
Rates vary by applicant. Representative example only.
Seasonality
When in the year landscaping & lawn care businesses tend to need this capital. Time the draw, not just the deal.
Pre-season (Feb–Mar)
Inventory mulch, equipment prep, uniforms, and pre-hire labor. 80% of annual borrowing demand happens in this window.
Peak mowing (Apr–Sep)
70% of annual revenue lands here. Route density and crew utilization dictate cash flow.
Fall cleanup (Oct–Nov)
Second revenue peak, leaf removal, winterization, and landscape redesign projects.
Winter (Dec–Jan)
Snow-removal contracts carry cash flow for diversified operators; lawn-only operators use revolving credit to bridge.
Qualification
What we look for in landscaping & lawn care files. Underwriting, in plain language.
- Minimum 6 months operating as a landscaping or lawn-care business
- $15,000+ monthly revenue (seasonal-adjusted)
- 500+ personal credit score
- Active business bank account
Other ICG products for landscaping & lawn care
Not the right fit? Here is what else works in your industry.
Common questions
Equipment Financing for landscaping & lawn care. Honest answers, no fine print games.
QHow do you underwrite a seasonal business?
We look at 12 trailing months, not just the last 3, so your strong spring and summer months offset winter lulls. Snow-removal revenue counts toward the annual figure.
QCan I finance a used truck and trailer bundle?
Yes. Bundled equipment (truck + trailer + commercial mowers) is a common financing request and can close in 48 hours.
QDo you fund snow-plow-only operators?
Yes, when paired with at least one other service line for summer revenue continuity. Pure seasonal-only businesses may require a dual-use equipment model.
QDo I have to buy the equipment from a specific dealer?
No. ICG finances equipment from any reputable dealer, auction, or private seller with a documented invoice or appraisal. New and used equipment both qualify.
QIs a down payment required?
Typically 0–20% down, depending on the equipment type, age, and your credit profile. Many applicants qualify for $0-down financing on new equipment.
QCan I finance used equipment?
Yes. Used equipment under 10 years old with documented hours or mileage is routinely approved. An appraisal may be required for specialty items.
Equipment Financing for other industries
Where else this works. One product, many verticals.
Ready when you are
Ready to fund your landscaping & lawn care business? 24 hours to fund.
Quick application. Soft credit pull only. Real human review.