Industries we fund · Landscaping & Lawn Care
Working capital for landscaping businesses
Landscaping runs on route density and equipment uptime, with revenue that follows the growing season. Commercial contracts smooth it; equipment failures wreck it.
Clearwater places landscaping files with funding partners that already know the industry: $10K to $2M, sized off your real bank deposits, with no hard credit pull to apply. Searching for landscaping business loans? What we place is revenue-based funding - an advance repaid out of daily deposits - and this page explains exactly how it prices so you can compare honestly.
How funders read a landscaping file
Seasonality is the whole conversation in a landscaping file, and funders price the pattern rather than punishing it. Commercial-contract revenue (HOAs, property managers) reads far stronger than residential one-offs - recurring monthly billing is what a funder wants to see landing. Files strengthen noticeably in spring when trailing months capture the season starting. Snow-removal revenue in northern books is a legitimate winter story; say so if it applies.
What landscaping businesses use the capital for
- Mowers, trailers, and equipment before the season opens
- Crew payroll for new commercial contracts
- Truck purchases for route expansion
- Bridging winter in markets without snow revenue
What the numbers look like
Most files support roughly half to 1.4 times monthly bank deposits - where a file lands depends on deposit consistency, time in business, and existing positions. As an illustration only: a landscaping business depositing $50,000 a month might see an advance around $45,000, repaid as about $283 per business day until a fixed $59,400 is paid. The total is fixed on day one - it never compounds or grows - and most deals carry prepayment discounts, shown with your offer.
| Advance range | $10,000 - $2,000,000 |
| Monthly revenue floor | $10,000 in business deposits |
| Time in business | 6+ months |
| Credit | Cash flow weighs more - scores from 450 workable |
| To apply | No hard credit pull. 4 months of statements + month to date |
Landscaping & Lawn Care funding questions
Can I qualify during the off-season?
Often, but the number will reflect trailing winter deposits. If you can, applying early in the season with two strong months behind you prices better.
Do commercial contracts change my file?
Meaningfully. Recurring monthly billing from property managers reads as durable revenue and supports larger advances than residential volume alone.
What documents do I need?
Last four complete months of business bank statements plus the current month to date, a voided check, and your license. Contracts help as context but statements decide.
See your number, not a sales pitch
Two minutes, no hard credit pull, and the estimate is sized off your real deposits.
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