Landscaping Business Loans

Compare landscaping business loans online and find the best rates without impact on your credit.

Enter loan amount
Our Lending Partner Network
Landscaping business loans

Small Business Loans for Lawn Care

Lawn care and landscaping businesses are always in demand, but they are capital intensive to get up and running and grow. The best lawn care equipment is expensive, you often need to buy lawn care products for your customers, and you need quality and sizable transport to get you, your staff, and your equipment from A to B.

If you’re ready to start or grow a landscaping and lawn care business, you likely need a landscaping business loan.

Applying for landscaping business financing is fast and easy:

Fill out a simple and fast online application in just minutes

Compare best business loan rates and choose your offer

Receive funds towards your business needs

Checking rates won't impact your credit

Compare Landscaping Business Financing

What is a landscaping business loan?

A landscaping business loan is any kind of business loan that you use to fund your landscaping business. There aren’t dedicated landscaping business loans, so it’s up to you to do your research into the different types of business loans to find the one that’s right for your business. Fortunately, we’ve done much of the research for you here.

Where to find small business lawn care loans

PNC Bank

PNC Bank

Funding: Borrow up to $100,000
Minimum Credit Score: 720
Best For: Bank business line of credit & loans
Funding turnaround: as fast as same business day

With PNC Bank, borrowers can obtain a line of credit with impressive interest rates and get funded as fast as same business day. Best for borrowers with high credit scores who can provide a personal guarantee.

SBA 7a

SBA 7(a) loan

Funding: Borrow up to $5,000,000
Minimum Credit Score: 650
Best For: SBA loans
Funding turnaround: Varies.

The SBA 7(a) program features lenders such as Wells Fargo in their network and provides capped interest rates and long repayment term flexibility. Term loans and lines of credit access available. Typically, collateral will be required with a personal guarantee. Funding times vary and may be longer than most other lenders.

Credibility Capital

Credibility Capital

Funding: Borrow up to $500,000
Minimum Credit Score: 650
Best For: Term loans
Funding turnaround: Varies.

With Credibility Capital, borrowers with strong credit can obtain small business loans with attractive rates. A personal guarantee along with a business lien and revenue may be required to qualify. Note: This lender provides funding for all states except for North Dakota, Nevada, South Dakota, Vermont.



Funding: Borrow $5,000 - $250,000
Minimum Credit Score: 600
Loan term: 6-12 months
Funding turnaround: 24-48 hours

With BlueVine, borrowers can get approval as fast as 24 hours and obtain a business line of credit for short term capital needs while only paying interest on the funds you borrow.

How do landscaping business loans work?

In most cases, you’ll apply to a lender (after comparing rates and ensuring you meet their qualification requirements) and once approved, will receive a lump sum in your bank account. This lump sum must be paid back (plus interest) over a short, medium, or long term, which can be anywhere from a few months to 10 years.

Why do you need a landscaping business loan?

Landscaping and lawn care businesses can be costly to run, so you may need a loan for:

  • Purchasing vehicles
  • Buying lawn care and landscaping supplies
  • Hiring and paying employees
  • Paying for professional services
  • Tools and equipment
  • Marketing
  • Insurance

What can you use a landscaping business loan for?

You can use a landscaping business loan to purchase:

  • Commercial lawn mowers
  • Trailers for transporting lawn care equipment
  • Ride-on mowers
  • Push mowers
  • String trimmers
  • Edgers
  • Drop spreaders
  • Power blowers
  • Safety equipment
  • Uniforms
  • Commercial snow blowers
  • Tree care equipment
  • Compactors
  • Chippers
  • Trucks and vans
  • Chainsaws

Types of Landscaping Business Financing Options

  • Term loans: Term loans are usually offered by online lenders, though they are the same type of loan as bank loans and SBA loans, which we’ll cover shortly. This is where you borrow a lump sum and pay it back, plus interest, over a short, medium, or long term. Short term loans can be for as little as a few months while long term loans can be for up to 10 years on average.
  • Business line of credit: This works much like a credit card, where a lender agrees to give you a maximum credit limit which you can borrow up to. You can then use as much or as little credit as you need, only paying interest on what you’ve actually used. When you pay it back, you can usually reuse that credit at a later date.
  • Business credit card: this works as above, but is useful if you often find yourself making card payments, such as going to buy lawn care supplies or paying for fuel for your vehicles.
  • Equipment financing: this is a good option if you need to buy expensive lawn care equipment. This works like a term loan, but the loan is secured against the equipment, which usually makes them easier to get. You usually need to pay a down payment of 10-20% of the overall cost. If you default on your payments, the lender will seize the equipment to recoup their losses.
  • Bank loan: A bank loan is usually a term loan; the difference is that bank loans are generally difficult to secure. That said, if you meet their qualification requirements you can get some of the lowest rates available (2-5%).
  • SBA loans: These loans are also usually term loans, but they are guaranteed by The Small Business Administration, so lenders are often more willing to lend money, lend larger sums, and offer better interest rates (2.89 – 13%). The SBA offers several loan programs: the popular 7(a) program, 504 loans, and Microloans. Their 7(a) loans and microloan loans are likely to be most suitable for a lawn care business.

Quick links

Business Loans

Ready to apply for landscaping business financing? Get started today.

Need help finding the right loan?

No worries, we've got you covered! Compare personalized loan options in just minutes without impact on your credit score.

What are the pros & cons of landscaping business loans?


  • You can get the equipment you need to do the job faster/better
  • You can get the equipment and staff you need to expand quickly
  • You can improve working capital or cash flow
  • You can look more professional
  • You can put more into your marketing


  • Interest rates can be high
  • Keeping up repayments can be a drain on your working capital
  • If you find your work fluctuates with the seasons, you may find payments difficult to cover in the winter if you don’t plan ahead
  • If you use equipment financing and miss a payment, they may seize essential equipment

How much does a landscaping business loan cost?

Your costs will depend on the type of financing you choose and the interest rate you get, as well as any other fees associated. You should always strive to choose an option with the lowest interest rate you can achieve and minimum fees. Interest rates vary from as little as 2% up to over 35%, but most will fall in the 5-25% range. Always make sure you’re clear on how much the loan will cost you overall, especially when using it to purchase equipment that will depreciate in value.

What are the requirements to qualify for a landscaping business loan?

Requirements vary depending on the type of financing you choose and the lender, but generally you’ll need:

  • A good or excellent credit score (600 or higher)
  • 2 years strong trading history
  • Healthy revenue
  • A minimum annual revenue of $50,000 - $100,000
  • A strong business plan

If you’re a startup, you will find it more difficult to secure funding, so look into equipment loans and alternative forms of funding, such as peer-to-peer lending and your friends and family.

How to finance landscaping equipment

Landscape equipment financing usually works in one of the following 3 ways:

  • You apply to an equipment financing company, get approved for a certain amount, and then show them the equipment you want to use the money for. If they agree, they will pay for the equipment directly.
  • You lease the equipment from the manufacturer, making monthly payments to continue using the equipment. At the end of the lease, you can buy the equipment or return it and get new equipment.
  • You work with a lender through the manufacturer of the equipment to secure the loan, and if approved, they pay the manufacturer for the equipment.

Apply and compare rates online

Have you decided landscaping business financing is right for you? Your next step is to decide which form of loan is right for you, and then start comparing rates here. Once you’ve found a lender to want to work with, click apply and follow their application process.

The length of the application process varies depending on what form of funding you chose – online lenders typically have a fast application process and will make a decision immediately or within 2 days, while an SBA loan may take up to 3 months to secure. If you’re looking for fast funding, make sure you choose an appropriate loan.

Once approved, you’ll usually receive your funds within 7 days (though many are much faster) and then you can use the funds to grow your lawn care and landscaping business.

Compare Business Loan Offers

How Pasha Funding Works

How it Works
Apply in minutes

Get pre-qualified in minutes and compare offers from top lenders.

Choose your offer

Compare and choose an offer that works best for you based on your timeline and budget needs.

Get funded

After your loan is approved with the lender of your choice, receive your funds.

Popular Business Funding Options

Get Fast Funding For Your Business

Compare business loans from top lenders without negative impact on your credit score.

Business Loans By Credit

Business Loans for Fair Credit
Business Loans for Good Credit
Business Loans for Excellent Credit

*Disclaimer: does not function as a lender. The offers provided on this website are provided solely by third parties, who compensate for their inclusion. We would like to emphasize that will not contact you regarding any loan application resulting from the aforementioned offers, and we will never request financial information or any sensitive personal data via phone, email, or any other means.

REMEMBER, it is essential to exercise caution and never share any financial information or sensitive personal data over the phone or via email without independently verifying the identity of the company initiating the communication first!