Mowers and handheld
Zero-turn and stand-on mowers, trimmers, blowers, aerators. The gear that decides how many properties a crew can turn in a day.
Landscaping and snow removal
Equipment finance for landscapers
Mowers, skid steers, trailers, plow trucks and salters. Built Capital arranges the funding, and on lease-to-own we can set the payments to pause through the months you are not earning. If you are buying a plow setup for this winter, that decision is happening now, not in November.
April to November
Cutting, cleanups, installs. Cash is coming in and the equipment is working every day it does not rain.
November to March
You are plowing and salting, or you are waiting for spring. Either way, a standard lender writes you the same payment in January as in July.
What we finance
The kit a landscaping business actually buys
Skid steers and attachments
Compact track loaders, buckets, forks, grapples. The machine that moves you from maintenance work into installs and hardscaping.
Plow trucks and salters
Blades, V-boxes, spreaders, the truck under them and the trailer behind it. Bought in late summer, because by the first storm the good units are gone.
Cleanup and handheld
Trimmers, blowers, aerators and the seasonal gear that turns a spring or fall cleanup round into real margin. Small tickets bundle into a larger file.
The part other lenders will not do
Payments that follow your season
Most equipment lenders write twelve equal payments and leave you to work out the winter. If you only cut, that is four or five months of paying for a mower that is parked in a shed.
On lease-to-own we can structure it so payments pause through your off months and pick back up when the season does. It is arranged on the file, before you sign, not something you call and ask for in February. The term ends at a $20 buyout and the payments may write off, which is why a lot of operators land there rather than buying outright.
Also on the table
Three other things landscapers come to us for
- The second truck and crewOne crew is a ceiling. Financing the second setup means the work you are turning down in June becomes work you take.
- A corporation under two years oldNo trading history is not the obstacle operators assume. Lenders read the directors, so a young corporation is often easier to place than an older one carrying baggage.
- Working capital through the shoulderPayroll and fuel in the weeks before the season pays. Separate from the equipment, and it does not have to wait on an asset purchase.
Tell us what you are buying and when your season turns
Leave your details and Built Capital calls you back. No application to fill in first, and nothing is pulled on your credit until you say so.
Start a funding conversationFunding is arranged through third-party banks and private lenders. Terms, rates, structures and approval depend on the file.
Frequently asked questions
I only cut, I do not plow. Does the seasonal structure still apply?
That is the case it suits best. A mow-only operator has four or five months with no revenue, and a standard twelve-payment schedule runs straight through them. We can arrange for payments to pause over that stretch and resume in spring.
Can I finance the truck and the plow together?
Usually yes, and it is generally simpler than splitting them. The blade, the spreader and the truck under them can go in one file rather than being arranged separately.
How late can I leave a plow setup for this winter?
Later than August is possible, but you are shopping a thinner market and the units that are left are the ones nobody wanted. Arranging funding before you go looking also means you are negotiating as a cash buyer.
My corporation is under two years old. Is that a problem?
Usually the opposite. A new corporation starts with a clean slate and lenders read the directors rather than two years of statements. Plenty of the operators we fund incorporated in the last year or two.
What does credit have to look like?
Credit is one factor in the file, not the whole file. It affects the rate and the structure. Bring the situation you actually have and we will tell you what is realistic.
Landscaping and snow removal
Request a callback
Leave your details and Built Capital gets back to you directly to set up a time that works for you.
- Seasonal and skip-payment structures on lease-to-own
- Newly incorporated is fine, we read the directors
- Banks and private lenders, so the file goes where it fits
- Funding from $5,000, no upper cap on the conversation
Send your details
Thanks, you're all set. Built Capital gets back to you directly to set things up.