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Funding Guide

Business Funding For Landscaping Companies.

Flexible funding solutions to keep your landscaping business growing—season after season.

Cover upfront costs for materials, supplies, and labor.

Keep payroll steady between progress payments.

Purchase equipment without a hefty upfront cost.


LET'S TALK GET FUNDED

Let's Get Down To Small Business

Under $10,000
$10,000-$20,000
$20,000-$50,000
$50,000-$100,000
$100,000-$150,000
$150,000-$300,000
$300,000+
Working capital
Buy equipment
Inventory
Cover payroll
Job materials
Consolidate debt
Other reason
0-6 months
6-12 months
1-2 years
2-5 years
5+ years
Today
Within 24-48 hours
Sometime this week
Within 1-3 weeks
I'm in no rush

đź”’ Pre-qualification will not affect your credit score.

No Application Fees.

We'll never charge you a fee to apply—or for any other “just because” reason.

No Lengthy Paperwork.

An application, statements, and you're done. Funding without a pile of forms.

No Collateral Needed.

You won't have to back your funding. Keep your assets where they belong.

No Personal Guarantee.

Most of our options are secured only by your business revenue—not by you.

Rooted In Flexibility: Funding For Landscaping Companies.

Landscaping runs on timing—the weather, the season, the client who swears they'll pay next week. Your expenses don't wait for any of it. Materials need to be ordered before the job starts. Payroll comes due whether or not that last invoice cleared. And when spring hits, you've got about ten minutes to scale up before you're turning down work.

We work with landscapers because we understand that your cash flow doesn't follow a calendar—it follows the forecast and a list of clients who all want their yards done yesterday.

Why Landscaping Companies Trust Capitalize Funding.

Cash flow doesn't grow on trees. You're out there battling weather delays, chasing down late payments, and fronting costs for jobs that won't pay out for weeks. The busy season demands everything you've got—and the slow season still expects you to make rent.

We work with landscaping companies because we know the grind doesn't stop just because the weather does. And your funding shouldn't either.


LET'S BREAK GROUND

Rooted In Landscaping Realities

Landscaping doesn't run on a predictable monthly cycle—it runs on weather, seasons, and clients who take their time paying. Our funding is built around the way your business actually operates.


Funding That Follows The Forecast

Spring rush, summer maintenance, fall cleanups, and winter slowdown—your cash needs shift constantly. Our funding flexes with your workload, so you're not left in the weeds.


Here For You When The Storm Hits

And we don't just mean weather. When a truck breaks down, a big client pays late, or you need to stock up for a job that starts Monday, we pick up the phone and get you answers fast.


Growing With You, Season After Season

We're not here for a one-time transaction. As your client list grows and your crews expand, your access to funding grows with you—a long-term partner invested in your success.

How Landscaping Companies
Put Business Funding To Work.

From spring prep to fall cleanup, landscaping businesses go through massive cash flow swings throughout the year. Demand can spike overnight, and the expenses to keep up—fuel, labor, supplies—often come due before a single payment hits your account. That's where flexible funding steps in—keeping your operations moving, your crews paid, and your calendar full, no matter what's happening with cash on hand.

Below are some of the most common ways landscaping businesses use funding:



Stocking Up On Supplies

Mulch, sod, gravel, and plants often need to be purchased before the job starts. Working capital lets you stock up and take on bigger contracts without waiting on a deposit.

Keeping Your Fleet Running

Essential tools like mowers, trailers, and blowers need regular maintenance or replacement. Equipment financing helps you invest in upgrades without draining your reserves.

Covering Payroll During Gaps

Delayed client payments can make it tough to manage your payroll—especially during the busy seasons. Funding ensures your crew always gets paid on time, your jobs keep moving, and morale stays high.

Surviving The Slow Season

When the phone stops ringing, fixed costs keep coming. Working capital helps your cover operational expenses through the slower months, so you're ready to ramp up when the season picks up.

The Funding Process For Landscaping Companies.

You've got jobs to quote, crews to manage, and clients who needed their yard done yesterday. Chasing down bank paperwork while the season's in full swing isn't an option.

Our process is built for business owners who don't have time to waste—fast enough to keep up with your schedule, and simple enough that it won't become another project on your list.


EASIER THAN PULLING WEEDS

Step 1: Complete Your Funding Application

Complete your funding application and submit your most recent business bank statements.


Step 2: Get Approved For Funding

Our team will review your file and present you with funding options tailored to your needs.


Step 3: Receive Your Funds Fast

You'll receive your funding in less than 24 hours directly into your business bank account.

Smart Funding Options For Landscaping Companies.

Some landscaping companies need a quick bridge. Others need room to grow—new equipment, more crews, bigger contracts. Here are the most common funding options in the industry, each built for a different reason (and a different season).



Working Capital Loan

Keep your business running smoothly with short-term funding designed to take care of the day-to-day operational expenses, such as payroll, rent, etc.

Cash Flow Funding

Smooth out the gaps in your cash flow or bridge slow payments with funding designed to match the way your billing cycle works.

Merchant Cash Advance

Funding that's tied to your revenue, rather than tied to a rigid repayment schedule. Payments adjust according to your business' performance.

Business Line Of Credit

Access to revolving capital on-demand. Draw funds when needed and only pay interest on the amount you borrowed. Credit replenishes as you repay.




Explore our full suite of business funding products.

Help Your Landscaping Company Bloom—With The Capital To Back It.


A pink piggy bank is holding a shovel and standing next to a mount of dirt with a sprout growing out of it.

Between weather delays, seasonal slowdowns, and clients who pay on their own schedule, it's easy to feel like you're always one step behind.

When the gap between the work you've done and the money you've been paid gets too wide, we're here to close it—with funding that moves as fast as your busiest season demands.


LET'S GET GROWING


Still have questions? Check out our funding FAQs or contact us to speak with an advisor.

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