Spring Startup Capital
March–April requires uniforms, vehicle prep, mulch inventory, and crew hiring, all paid for before the first mow generates revenue.
Industries · Landscaping & Lawn Care
Landscaping & Lawn Care Business Loans. Fund the season. Staff the crews. Grow the routes.
Spring startup capital, equipment financing, snow-removal bridge funding for landscapers. Seasonal-friendly underwriting.
At a glance
What financing is available for landscaping and lawn-care businesses?
Spring startup capital, equipment financing, snow-removal bridge funding for landscapers. Seasonal-friendly underwriting.
- Funding speed
- 24 Hours
- Min FICO
- 500+
- Min revenue
- $15K/mo
Last updated 2026-06-24
Why we fund landscaping & lawn care
We underwrite the rhythm, not the label.
The numbers below are the playbook ICG runs against landscaping & lawn care every week. Cash flow patterns, repayment tolerance, and seasonality are read from your bank activity, not assumed from your category code.
24 hr
Typical funding speed
500+
FICO floor
$15K+
Monthly revenue minimum
No docs
Required to start an application
Every approval comes from a person, not a policy engine. An underwriter who has read hundreds of landscaping & lawn care bank files looks at yours and answers the same business day.
Common funding uses
What capital is actually for in landscaping & lawn care.
The scenarios below are the recurring reasons ICG funds this vertical. If your situation looks like one of these, the underwriting playbook is already written.
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.
Products mapped to this industry
Eligibility for landscaping & lawn care
The bar is short. And it is the whole bar.
No upsells, no surprise documents. Meet the criteria below and the application is built for you.
- 01
Minimum 6 months operating as a landscaping or lawn-care business
- 02
$15,000+ monthly revenue (seasonal-adjusted)
- 03
500+ personal credit score
- 04
Active business bank account
Seasonality
What normal looks like across the year.
ICG underwriting is calibrated to these rhythms. Slow months are not red flags. They are part of the model.
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.
Get funded in your city
Landscaping & Lawn Care funding near you.
- Brooklyn →
- Manhattan →
- Queens →
- The Bronx →
- Staten Island →
- Long Island →
- Westchester County →
- Buffalo →
- Rochester →
- Albany →
- Los Angeles →
- San Francisco →
- San Jose →
- San Diego →
- Sacramento →
- Orange County →
- Fresno →
- Bakersfield →
- Houston →
- Dallas →
- Fort Worth →
- Austin →
- San Antonio →
- El Paso →
- Corpus Christi →
- Miami →
- Tampa →
- Orlando →
- Jacksonville →
- Fort Lauderdale →
- West Palm Beach →
- Tallahassee →
Questions, answered
Real questions from landscaping & lawn care operators answered straight.
How 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.
Can 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.
Do 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.
Ready when you are
Get landscaping & lawn care funding in 24 hours.
Soft credit pull. Same business day answer. One dedicated ICG team from application to wire.