Fast
Online application in 5 minutes. Funds deposited the next business day on most products — before your spring ramp.
Landscape & Garden Funding
Gardening And Landscape Business Funding Landscaping Business Funding for Lawn & Landscape Pros
Fast, flexible, responsible landscaping business funding from $5,000 to $5,000,000 — funded in as little as 24 hours, with no hard credit pull to apply. Coast Funding has financed lawn care, landscape, hardscape, and irrigation businesses across all 50 states since 2014.
4.8 / 5 on Trustpilot
No Hard Credit Pull
Funded in 24 Hours
Last reviewed: May 12, 2026 · Coast Funding Editorial Team
2014
Funding since
50
States served
$1B+
Deployed to operators
412
Verified reviews
Why Coast Funding
Why Landscape Owners Choose Coast for Gardening And Landscape Business Funding
Landscape companies face funding challenges traditional banks aren't built to solve: heavy seasonality, equipment-intensive ramp-ups, commercial Net-60 receivables, and a winter cash flow gap. Our team has been financing landscapers since 2014 and approves landscape business funding based on real-world revenue — not just credit scores.
Flexible
Six funding products built for landscapers — from $5K seasonal payroll bridges to $5M equipment financing for a full fleet.
Responsible
The only funding partner committed to guiding landscape owners to responsible decisions — not just the biggest check.
Funding Options
Landscape Funding Options
Whether you need landscape working capital for the spring ramp, equipment financing for a new fleet of mowers, or capital to bridge winter, we have a program built for it.
Equipment Financing
Landscape Equipment Financing
$10,000 – $5,000,000 · 2–6 years
Finance zero-turns, stand-ons, work trucks, dump trailers, enclosed trailers, skid steers, and irrigation gear with fixed monthly payments and specialty programs for landscape fleets.
Explore equipment financing →
Working Capital
Seasonal Working Capital
$5,000 – $2,000,000 · 3–24 months
Cash upfront for the spring ramp — payroll, fertilizer, mulch, plant material, and marketing. Sales-based repayment that flexes with your busy season.
Explore working capital →
Line of Credit
Winter-Gap Line of Credit
$10,000 – $500,000 · Revolving
Only draw what you need to cover off-season overhead, insurance, and payroll. Revolving access with monthly rates starting at 2.99% — pay it down through the busy season.
Explore lines of credit →
Receivables
Commercial Receivables Financing
$10,000 – $1,000,000 · Sales-based
Turn Net-30 and Net-60 commercial and HOA invoices into cash today. Sales-based repayment that ebbs and flows with your business — ideal for property managers and commercial contracts.
Explore receivables financing →
Term Loan
Landscape Term Loan
$10,000 – $1,000,000 · Up to 5 years
Fixed-term capital for expansion, new yards, additional crews, and full company acquisitions. Predictable monthly payments to scale with confidence.
Explore term loans →
Acquisition
Landscape Acquisition Loan
$25,000 – $1,000,000
Buy a competitor, acquire a route, or scoop up an aging owner's book of business. Capital combined with working capital for a smooth transition.
Apply for acquisition financing →| Program | Amount | Term | Best For |
|---|---|---|---|
| Equipment Financing | $10K – $5M | 2 – 6 years | Mowers, trucks, trailers, irrigation |
| Working Capital | $5K – $2M | 3 – 24 months | Spring ramp payroll and materials |
| Line of Credit | $10K – $500K | Revolving | Winter cash flow gap, monthly rates from 2.99% |
| Receivables Financing | $10K – $1M | Sales-based | Commercial contracts and HOA invoices |
| Landscape Term Loan | $10K – $1M | Up to 5 years | Expansion, new yards, acquisition |
All rates, terms, and amounts are illustrative and subject to underwriting, borrower qualifications, and applicable state regulations. Certain programs are made available or arranged pursuant to California Financing Law License No. 60DBO-146720.
Your Funding Roadmap
How to Apply for Landscape Funding
Three steps. Five minutes to start. No hard credit pull, no application fees.
Complete the application
5-minute online form plus 4 months of business bank statements (or link via Plaid). No fees, no obligation.
Review your offer
A Business Funding Advisor calls you within hours with pre-qualified offers customized to your seasonal cash flow.
Sign and get funded
Funds can be deposited into your business account in as little as 24 hours after the signed agreement.
$10K+
Minimum monthly gross revenue to qualify for most programs
Landscape Qualifications
Approved by Revenue — Not Just Credit
We approve based on revenue performance, time in business, and bank deposit trends — not a credit score in isolation. Here's exactly what underwriting reviews.
Minimum Requirements
- 6+ months in business (3 months for select programs)
- $10,000+ in monthly gross revenue
- U.S.-based business with a business bank account
- Valid government ID and business documentation
What We Review
- Last 4 months of business bank statements
- Route density, contract mix, and AR aging
- Time in business and ownership structure
- Seasonality patterns and winter cash position
Common Use Cases
What Landscapers Use Coast Funding For
From financing a new fleet of mowers to bridging the winter slump, our landscape clients deploy capital in four recurring patterns.
Mowers & Trucks
Trailers & Equipment
Seasonal Payroll
Commercial Contracts
Frequently Asked Questions
Landscape Business Funding FAQ
The 10 questions landscape owners ask us most.
How do you handle seasonality in landscaping funding?
Coast Funding builds repayment around seasonal revenue. Sales-based receivables financing ebbs and flows with deposits, and lines of credit let you draw heavily in the spring ramp and pay down through the busy mowing season — without breaking your back in winter.
Can I finance a fleet of mowers, trucks, and trailers?
Yes. Landscape equipment financing covers zero-turn mowers, stand-ons, walk-behinds, work trucks, dump trucks, enclosed and open trailers, skid steers, and irrigation gear. We finance single units or full fleet upgrades from $10K to $5M.
How do I bridge the winter cash flow gap?
A landscape line of credit is the most common solution. Draw to cover off-season payroll, insurance, and overhead, then pay it down once spring revenue lands. We also offer seasonal working capital structured around your cash cycle.
Do you fund both commercial and residential landscapers?
Yes. Residential lawn care companies typically use working capital, equipment financing, and lines of credit. Commercial and HOA-focused operators lean on receivables financing to bridge Net-30 and Net-60 invoice cycles.
Can I get capital to hire and onboard new crews?
Yes. Working capital and lines of credit fund payroll, recruiting, uniforms, and crew vehicles. Many clients use term loans to make bigger jumps — adding two or three new crews ahead of the spring rush.
Can I get a landscaping loan with bad credit?
Yes. Coast Funding works with landscape owners across the credit spectrum. Underwriters weigh recent revenue, bank deposits, and time in business — not just credit scores. Bad-credit borrowers typically qualify for working capital or receivables financing.
How much landscape funding can I qualify for?
Most landscape companies qualify between $10,000 and $500,000 based on monthly gross revenue. Established operators with strong financials can qualify for up to $5 million via equipment financing.
How fast can a landscape company get funded?
Funds are typically deposited the next business day or within 24 hours of signed contracts. Some exclusions apply for funding cut-off times and certain products.
Does applying hurt my credit score?
No. There is no hard credit pull to apply with Coast Funding. A hard inquiry occurs only if a specific product requires it after you accept an offer.
Is Coast Funding licensed?
Yes. Certain Coast Funding programs are made available or arranged pursuant to California Financing Law License No. 60DBO-146720. Coast Funding Services LLC is headquartered in San Diego, California.
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Industries We Serve
Other Industries We Fund
Coast Funding serves small businesses across these industries and many more.
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5-minute application. No fees. No hard credit pull. Funded in 24 hours.
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