Mowers, trucks and crews are paid for before the season fills the schedule. Apply in five minutes; funding can arrive in as little as 24 hours.
Apply Now →Landscaping and lawn care follow the growing season. In Texas, that season is long, but it still has a rhythm: a rush as growth begins, a steady stretch through summer, and slower months when mowing eases and installation work becomes the focus. A crew must be hired and equipped for the busy part, which begins before the first invoices are sent.
Crews are paid weekly. Fuel, trailers, mowers, trimmers, blowers and chemicals are constant costs. Customers pay on their own timing: monthly accounts, per-visit billing, commercial properties on thirty-day terms, and installation jobs billed in stages.
| Item | What happens |
|---|---|
| Commercial mowers | Blades, belts and engines wear with daily use; a failed mower is a missing crew member |
| Trucks and trailers | Heavy loads and long days; replacement is a large cost |
| Hand tools | Constant replacement across multiple crews |
| Irrigation and installation gear | Trenchers, augers and testing equipment for larger jobs |
A single breakdown in peak season can cost more in lost jobs than the repair.
Landscaping is labor-intensive, and a larger crew means a larger weekly payroll. Private Texas employers can choose whether to carry workers' compensation, and many landscaping companies do for their crews' protection and because commercial clients may ask for it. That cost recurs whatever the weather.
For illustration only, with round numbers and no connection to our terms: an owner adds a second crew in March at a weekly cost of $4,500. Customers signed in March are billed monthly in April, so the owner carries about six weeks of the new crew, nearly $27,000, before the first payments arrive.
Landscaping margins can be tight, and the busiest weeks leave no time to repair a pricing mistake. A company that prices a large installation without counting fuel, dump fees, plant replacement and rework can finish the job and discover that cash is short for the next one. Working capital does not replace good pricing, but it gives the company room while it adjusts.
Many owners also use off-season weeks to service equipment, train crews and plan the routes they will run in spring. Spending on those tasks pays back during the season, and it is a use you can describe plainly on the application.
Working capital can carry a company through the wait, so it can say yes to the larger account. We do not set terms for your customers; that stays between you and them.
Sole proprietors can apply, which describes many landscaping businesses at the start. The application takes about five minutes and uses a soft credit pull. Funding runs from $25,000 to $5,000,000, and can arrive in as little as 24 hours.
Yes. Seasonal equipment and crew payroll are the standard uses. Funding can arrive in as little as 24 hours.
Hiring ahead of revenue is a common use.
Yes. Sole proprietors can apply.
Carrying slow-paying accounts is a common reason to apply.
From $25,000 to $5,000,000.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
