Can I get seasonal payments on landscaping equipment?

Some equipment lenders offer skip-payment or seasonal schedules with lower payments in the off-season. Ask for it when you compare offers.

How long should I finance a commercial mower?

No longer than you expect it to last under your workload, which for heavy commercial use is often around three years.

What does $60,000 of equipment cost per month?

At a representative 8%–30% APR, about $1,880–$2,547 a month over 36 months.

WithFunded › Best-of guides › By product

Best equipment financing for landscaping companies in 2026

The best equipment financing for a landscaping company is an equipment loan with a term that matches hard commercial use: about three years for mowers and five for trucks and skid steers. A lease fits equipment you replace on a schedule. Ask for seasonal payments that are lower in winter, which some equipment lenders offer.

By the WithFunded team · Published November 11, 2026 · Rates as of November 2026

The short list

Best for trucks, trailers, and skid steers: Equipment loan
Best for commercial mowers: Equipment lease
Best for off-season cash: Equipment sale-leaseback
Best when buying a competitor's equipment and routes: SBA 7(a) loan

The 4 best options, ranked

1. Equipment loan Best for trucks, trailers, and skid steers

These last several seasons and hold resale value. A loan lets you own them and run them payment-free afterward.

Watch for: Older or highly specialized equipment gets shorter terms and higher rates. Equipment financing guide →
2. Equipment lease Best for commercial mowers

Mowers under daily commercial use wear out fast. A lease timed to their working life makes replacement routine.

Watch for: On a fair-market-value lease you do not own the equipment unless you pay the buyout. Equipment financing guide →
3. Equipment sale-leaseback Best for off-season cash

A company with a paid-off fleet can raise winter working capital against it.

Watch for: You turn an asset you own into a monthly payment, so the cash has to earn more than it costs. Equipment financing guide →
4. SBA 7(a) loan Best when buying a competitor's equipment and routes

An acquisition that includes equipment and maintenance contracts can be financed together on one long-term loan.

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 trucks, trailers, and skid steers	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
Equipment lease	Best for commercial mowers	A monthly lease payment; total cost depends on the end-of-term buyout	Days to weeks	The equipment is the collateral; often less cash up front than a loan
Equipment sale-leaseback	Best for off-season cash	Lease-style pricing on equipment you already own	Days to weeks	The resale value of equipment you own free and clear
SBA 7(a) loan	Best when buying a competitor's equipment and routes	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.

What lenders look at

The equipment list and current fleet age.
Seasonal revenue pattern across a full year.
Commercial contracts that will keep the equipment working.

Mistakes to avoid

A five-year loan on a mower that will be worn out in three.
Equal monthly payments through winter if a seasonal schedule is available.

Frequently asked questions

Can I get seasonal payments on landscaping equipment?: Some equipment lenders offer skip-payment or seasonal schedules with lower payments in the off-season. Ask for it when you compare offers.
How long should I finance a commercial mower?: No longer than you expect it to last under your workload, which for heavy commercial use is often around three years.
What does $60,000 of equipment cost per month?: At a representative 8%–30% APR, about $1,880–$2,547 a month over 36 months.

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WithFunded has a dedicated page for landscaping companies: landscaping.withfunded.com.

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Terry Gossman, Oct 29, 2026Landon and Austin were greatLandon and Austin were great. Knowledgable and explained everything in a way that made it all really easy to understand. I avoid these call like the plague but these two were a joy to work with.

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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.