business line of credit for landscaping & lawn care
Business Line of Credit for Landscaping & Lawn Care businesses. Built for landscaping & lawn care cash flow.
A revolving line of credit gives you flexible access to capital whenever you need it. Draw funds, repay, and draw again, without reapplying.
- Max funding
- $250K
- Term
- Revolving
- Time to fund
- 24 hours
- Min FICO
- 550+
The short answer
Is Line of Credit the right fit for Landscaping & Lawn Care businesses?
Revolving capital for fuel, parts, and seasonal labor spikes.
Last updated 2026-06-24
Why this fit
Common cash-flow gaps in landscaping & lawn care. Business Line of Credit 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 business line of credit 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
Business Line of Credit 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.
QHow is interest calculated?
Interest is charged only on the amount you draw, not your total credit line. Rates are typically 1–3% per month on the outstanding balance.
QCan I increase my credit line?
Yes. After 6 months of on-time payments, you can request a credit line increase based on updated revenue.
QIs there a draw charge?
No draw charges. You access your funds at any time through a direct transfer to your business account.
Business Line of Credit 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.