Landscaping & Home Service Financing — Seasonal Cash and Fleet

Six good months pay for twelve months of trucks, insurance and crew, and the equipment breaks in the busy season.

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What owners in this industry finance

Trucks, trailers, mowers and skid steers
Off-season payroll and retention
Spring materials and pre-season marketing
Buying out a competitor's route

What we would tell you

Apply for the line while your deposits are strong. Lenders read your last three months, so a March application on winter statements gets a smaller number than a July one.

The programs that fit best

Equipment Financing

The machine is the collateral

A few days 580+ (varies by equipment) FICO

Business Line of Credit

Draw only what you need

Same day 600+ FICO

Small Business Loans

Term Loans & Working Capital

Same day to 3 days 660+ FICO

Bridge Loans

Cover the gap now

Same day No minimum FICO

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.

Straight answers

Landscaping & Home Services funding questions

What is the best financing option for landscaping & home services?

It depends on what the money is for. Apply for the line while your deposits are strong. Lenders read your last three months, so a March application on winter statements gets a smaller number than a July one.

Can I get funded for my landscaping & home service business with bad credit?

Several products carry no minimum credit score — equipment financing at 580, and invoice factoring, purchase order financing and revenue-based options with no FICO floor at all. See bad-credit options.

How fast can we get the money?

Same day to three business days on the fast programs from a complete file. Equipment takes a few days, invoice factoring 2–5 days, SBA 30–45 days.

No cost · No obligation

Funding for landscaping & home services

One application, shopped across 14 programs, no fee to you.

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Checking your options does not affect your business credit. A soft review only.