Coralpoint Commercial Capital, a small-business funding service in Titusville, FL, walks through funding a landscaping company in Brevard County, FL: commercial mower financing, trailers and trucks, crew payroll on a line of credit, and the funding questions that come with buying an existing landscaping business.
A trade made of small companies
Brevard County, FL had 349 landscaping services employers in 2023, and 74.2% of them had fewer than five employees (County Business Patterns 2023). Six of them had a ZIP 32796 address (ZIP Business Patterns 2023). The county also counted 1,394 landscaping businesses with no employees in 2024 (Nonemployer Statistics 2024).
Most of the county's landscaping employers are small by that count. This guide separates the two things such a company may need to fund: equipment and crew cash flow.
Can I get a loan for landscaping equipment?
The machine itself can serve as the collateral. Equipment financing pays the dealer and you repay over a set term; a funding partner decides whether to approve.
Commercial zero-turn mower financing
Commercial lawn mower financing is one use of equipment financing. Partners want the dealer quote with make, model and serial number. New mowers are straightforward; used mowers get questions about hours and condition, and service records from the seller help, whether it is a dealer or a private party.
Trailers and trucks
Enclosed and open trailers, dump trailers and work trucks are financed the same way. Trucks are judged on age and mileage.
Crews and uneven months: the line of credit
Hypothetically, if crew wages are paid weekly while a commercial account pays a monthly invoice on 30-day terms, the business carries the payroll in between. A line of credit can cover that gap without a new loan each time. Whether your revenue changes through the year is something your own statements will show; partners read those statements rather than assumptions about the trade.
How to get a business loan for a landscaping business, step by step
- Separate the equipment purchase from the cash-flow gap; they are funded differently.
- Get the dealer quote for any machine.
- Gather several months of business bank statements.
- List your accounts: residential versus commercial, and how each pays.
- Call Coralpoint or send the form to compare structures.
How to buy a landscaping business
Buying an existing company can include its customer routes, equipment and trucks. Partners review purchases case by case and want the seller's tax returns, an equipment list with ages, and evidence that customers will stay. Equipment can sometimes be financed separately from the rest of the price.
A worked example, labeled hypothetical
A two-crew company adds a third crew for a new commercial account. It finances a mower and trailer at a combined $17,800 dealer price and draws on a line for the third crew's first six weeks of wages, about $9,600. Every number is invented to show the split between equipment and cash flow; none is an offer.
Where to read more
The landscaping and lawn care page summarizes the funding options for the trade; the blog has other worked cases.
By Coralpoint Commercial Capital · Updated