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Landscaping funding

Spring doesn't wait for your bank to approve a loan.

$15K to $200K. In your account within 36 hours. Direct funded. No credit pull.

See What You Qualify For
36HRAvg time to fund
$15K–$200KFor landscapers
No credit pullTo apply
Direct Funder
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The real problems

You make money 8 months a year. Bills come all 12.

Landscaping is feast or famine. You need $40K in equipment before your first spring invoice comes in. We fund the gap.

Equipment is $15K-$60K per piece

A commercial zero-turn is $12K-$18K. A dump trailer is $8K-$15K. A bucket truck for tree work is $40K-$60K. You can't run jobs without them and you can't finance them in February.

Funded in 36 hours

Zero income November through March

Five months of truck payments, insurance, and equipment storage with nothing coming in. By February, most landscapers are running on fumes. Spring startup costs $20K-$40K before the first check arrives.

$20K-$50K typical gap

Crew payroll starts before revenue does

You need 4-8 guys ready to go in March. That's $8K-$16K a week in labor. But your first big invoices won't clear until mid-April. You're floating 6 weeks of payroll out of pocket.

Same-day decision

Materials and supplies upfront

Mulch, pavers, sod, seed, fertilizer — a single hardscaping job can require $5K-$15K in materials before you start. Commercial contracts pay net-30. Your supplier wants cash on delivery.

$15K-$40K typical
How it works

Apply today. Funded tomorrow.

We look at your bank deposits, not your credit score. Seasonal revenue patterns are fine — we get it.

01Apply

60-second application

Business name, monthly revenue, time in business. No tax returns. No P&L statements.

02Review

We review 3 bank statements

No credit pull. No collateral. We understand seasonal cash flow — winter dips don't disqualify you.

03Fund

Cash hits your account

24-48 hours after approval. Wire or ACH, your pick.

Day 0 · ApplyDay 0 · ReviewDay 1–2 · Funded
Last month

A landscaper in PA. 36 hours.

"

Needed two commercial mowers and a trailer before the season started. Dealer had the equipment ready but needed payment by Friday. We funded $75K in 36 hours. He started his spring route on schedule.

$75,000Funded
36 HRSApply to cash in account
0Collateral required
✓ No credit pull ✓ No personal guarantee required ✓ Direct funder
Common questions

Landscaping business funding — answered.

Do you fund landscaping businesses with bad credit?+

Yes. We've funded landscaping businesses with credit scores in the 500s — and some sub-500. We underwrite on cash flow, not FICO. Three months of bank statements with consistent deposits is what matters.

How fast can a landscaping business get funded?+

Typical time from signed agreement to capital wired is 24 to 48 hours. Decisions on most applications come back the same business day.

How much can landscaping businesses qualify for?+

$20K-$100K is the typical advance range for landscaping businesses, though we fund anywhere from $5,000 to $2,000,000 depending on monthly revenue. A reliable rule of thumb: about 50%-150% of monthly deposits.

What do I need to apply?+

Three things: a 60-second application (business name, monthly revenue, time in business), the last 3 months of business bank statements, and a voided check or bank linkage. No tax returns, no collateral, no credit pull to qualify.

Is this a loan?+

No. A merchant cash advance is the purchase of a portion of your future receivables. There is no APR. Pricing is expressed as a factor rate (typically 1.15 to 1.45) applied to the advance amount — that's the total payback. Repayment is a small daily, weekly, or bi-weekly ACH from your business account.

Find out your number in 60 seconds.

No credit pull. No paperwork. Just a quick form and we'll tell you what you qualify for today.

Apply Now
✓ No credit pull✓ No obligation✓ Decision same day