MCA for Landscaping Companies

Landscaping is a race against the calendar. Spring brings a rush of new contracts, and you need trucks, trailers, mowers and crews ready on day one. Then late fall and winter can slow revenue to a trickle unless you plow snow or install holiday lighting. Lawn care companies, hardscape installers, tree services, irrigation contractors and commercial grounds crews use a merchant cash advance to gear up for the season and keep cash steady through the off-months.

Need merchant cash advance funding of $25K to $5M for your landscaping business?

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How Landscaping Companies Use a Merchant Cash Advance

Buying zero-turn mowers, skid steers, trailers and trucks before spring
Hiring and training seasonal crews
Purchasing pavers, stone, mulch, plants and irrigation parts in bulk
Adding snow plows and salt spreaders to earn winter revenue
Bidding on commercial maintenance contracts that pay on net terms
Investing in routing and estimating software

Cash Flow in the Landscaping Business

Landscapers often earn most of their annual revenue in seven or eight months. Commercial clients may pay on 30- or 60-day terms, while fuel, payroll and equipment bills come due every week. A merchant cash advance gives you working capital up front based on future revenue, so you can take on more accounts in peak season. Funders who know the trade understand the seasonal pattern and look at your full-year deposits.

How a Merchant Cash Advance Works

A merchant cash advance is a purchase of a portion of your future receivables. A funder provides a lump sum, typically between $25,000 and $5,000,000, and collects an agreed share of your revenue over time, either as a percentage of card sales or as a fixed daily or weekly remittance. Because the funder is buying future revenue, reviews focus on how your business performs, not only on your credit history. Every offer, including the total amount to be remitted, comes from the funder and is spelled out in the agreement before you sign.

A Typical Scenario

Think about a residential lawn company that is offered a 40-property HOA maintenance contract in March. Taking it means two more mowers, a second trailer and a three-person crew before the first mow, while the HOA pays on net-30 terms. Capital up front lets the owner gear up in time and lock in a full season of recurring work.

What Funders Look At

Funders typically ask for bank statements covering several months, time in business and an overview of residential versus commercial work. Recurring maintenance contracts are a plus because they show predictable revenue. Companies that add winter services often present a smoother deposit history.

Our Process in 3 Steps

Apply online. Complete our short Funding Application and attach recent business bank statements.
Compare offers. We present your landscaping business to funders in our network and walk you through the offers that come back.
Get funded. Once you accept an offer and the funder approves, funding can arrive in as little as 24–48 hours, depending on the funder.

Why Forward Funders

Forward Funders LLC is a broker, not a direct funder. We shop your file to multiple funders so you can compare options side by side instead of applying one at a time. Our team is based in Staten Island, New York, and works with landscaping owners across the country. Call (718) 619-9867 or visit our Apply page to get started.

Frequently Asked Questions

Can I apply in the off-season?

Yes. Many landscapers apply in late winter to prepare for spring. Funders review your yearly pattern, not just the last month.

Do tree services and hardscapers qualify?

Yes. Tree services, hardscape installers and irrigation contractors are all reviewed.

Can I use the funds for equipment?

Yes. Mowers, trucks and trailers are common uses.

Do commercial contracts help?

Recurring commercial maintenance contracts can strengthen your file because they show steady revenue.

What if I plow snow in the winter?

Winter services help smooth deposits, which funders like to see.