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Best business loans for landscaping companies in 2026
The best financing for most landscaping companies is equipment financing for mowers, trucks, and trailers, plus a seasonal line of credit to fund the spring ramp-up before customers start paying. Companies with commercial maintenance contracts can qualify for more, because that revenue recurs.
By the WithFunded team · Published November 11, 2026 · Rates as of November 2026
The short list
- Best for mowers, trucks, and trailers
- Equipment loan
- Best for the spring ramp-up
- Business line of credit
- Best for adding snow removal
- Online term loan
- Best for buying routes or a yard
- SBA 7(a) loan
The 4 best options, ranked
1. Equipment loan Best for mowers, trucks, and trailers
Zero-turns, skid steers, and trailers wear out on a schedule. Financing them over their working life keeps the payment aligned with the revenue they produce.
Watch for: Older or highly specialized equipment gets shorter terms and higher rates. Equipment financing guide →
2. Business line of credit Best for the spring ramp-up
Crews are hired and mulch is bought in March; the first invoices are paid in May. A line carries the start of the season and is paid down by midsummer.
Watch for: Some lenders add draw or maintenance fees, and a limit can be cut at renewal. Business line of credit guide →
3. Online term loan Best for adding snow removal
Plows and salt spreaders are a one-time cost that turns a seasonal company into a year-round one. A fixed loan funds the move with a set payoff.
Watch for: A longer term lowers the payment but raises the total interest you pay. Term loan guide →
4. SBA 7(a) loan Best for buying routes or a yard
A 7(a) loan finances the purchase of a competitor's maintenance routes or a property for equipment storage over a long term.
Watch for: Heavy documentation, and the timeline rules it out for anything urgent. SBA loan guide →
Side-by-side comparison
| Option | Verdict | Cost basis | Funding speed | Qualifies on |
|---|---|---|---|---|
| Equipment loan | Best for mowers, trucks, and trailers | Representative 8%–30% APR, with the term matched to the equipment's useful life | Days to weeks | The equipment is the collateral, which can offset a thinner credit profile |
| Business line of credit | Best for the spring ramp-up | Representative 8%–30% APR, charged only on what you draw | Often days | Revenue, time in business, and credit |
| Online term loan | Best for adding snow removal | Representative 8%–30% APR, fixed payments over 6 to 60 months | Days | Revenue, time in business, and credit |
| SBA 7(a) loan | Best for buying routes or a yard | Capped at 10.00%–13.50% by loan size (prime plus the SBA maximum spread) | Weeks to months | Generally stronger credit and two or more years in business |
What it costs
Monthly payments on a standard fixed-payment loan at the representative 8%–30% APR band. The low end of each range is 8% APR and the high end is 30% APR.
| Amount | 24 mo | 36 mo | 60 mo |
|---|---|---|---|
| $20,000 | $905–$1,118 | $627–$849 | $406–$647 |
| $60,000 | $2,714–$3,355 | $1,880–$2,547 | $1,217–$1,941 |
| $150,000 | $6,784–$8,387 | $4,700–$6,368 | $3,041–$4,853 |
Financing $60,000 over 36 months costs about $1,880–$2,547 a month, or $7,687 to $31,695 in total interest, depending on the rate you qualify for. WithFunded calculation, representative 8%–30% APR band. Not a quote.
A line of credit charges interest only on the balance you have drawn. This is the monthly interest on a carried draw, before any principal is repaid:
| Carried draw | At 8% APR | At 19% APR | At 30% APR |
|---|---|---|---|
| $20,000 | $133 | $317 | $500 |
| $50,000 | $333 | $792 | $1,250 |
| $100,000 | $667 | $1,583 | $2,500 |
Interest-only illustration across the representative band. Draw fees and repayment schedules vary by lender. WithFunded calculation.
What lenders look at
- Contracted recurring revenue from commercial properties and homeowner associations.
- How the business gets through winter: snow contracts, savings, or a shutdown.
- Equipment age. A fleet near the end of its life is a signal that more borrowing is coming.
Mistakes to avoid
- Financing equipment on a term longer than it will last under commercial use.
- Waiting until April to open a line. The best time to apply is the previous fall, with a full season of deposits on the statements.
Frequently asked questions
- What is the best loan for landscaping equipment?
- An equipment loan secured by the equipment. At a representative 8%–30% APR, financing $60,000 over 36 months runs about $1,880–$2,547 a month.
- How do landscaping companies get through winter?
- With snow and ice contracts where the climate allows, and otherwise with a line of credit or cash reserves built in the season. Lenders want to see a plan for the slow months.
- Can a small landscaping business get a line of credit?
- Yes, once it has operating history and steady deposits. Limits start small and grow with revenue. A seasonal business should apply when its bank statements show peak-season income.
See what your business qualifies for
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Get matched → or open the payment calculatorWithFunded has a dedicated page for landscaping companies: landscaping.withfunded.com.
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How we ranked these options
This guide ranks types of financing, not individual lenders. Each option is ordered by how well it fits the need described on this page, judged on four things in this order: whether the structure matches how the money will be used and repaid, total cost, funding speed, and how hard it is to qualify. Cost figures are WithFunded calculations from published rate inputs as of November 2026: the bank prime loan rate from the Federal Reserve, the SBA maximum-rate schedule, and Federal Reserve survey data. The method follows our 2026 SMB Financing Cost Report, whose own figures use June 2026 rates.
WithFunded is a financing marketplace, not a lender. Our 2-minute form suggests a product type from the families we cover, and a funding partner reviews the request. Not every structure named in this guide is available through WithFunded: options such as SBA microloans, USDA farm loans, bank loans, and seller financing are ones you would pursue directly with the provider. They are listed because leaving out a good fit would make the ranking less useful.
Related guides
The top-ranked option on this page is equipment loan because it fits the most common version of this need. Your own best fit depends on your revenue, time in business, credit, and how fast you need the money.
Disclaimer. WithFunded and Big Think Capital are a financing marketplace; we are not the direct lender and do not guarantee funding, approval, rates, or terms. Everything on this page is a representative example only — not an offer or a commitment to lend, and not financial advice. Actual rates, fees, payments, and terms are set by the funding lender and depend on your business, credit, and the product. Where required by state law, the lender provides cost-of-financing disclosures before any agreement is signed.