The Best Lines of Credit for Landscaping Companies

Funds readily available through a line of credit are essential for preparing and handling unexpected expenses.

Truly amortized product, where you only pay interest on money that is drawn from line.

Unsecured programs, no collateral needed, up to $250,000.

Annual Interest Rates are Prime (8.5%) + 0% to 2%.

How much do you need to access?
*FREE to Apply & NO credit check
Approvals Up To
Terms as low as
WSJ PR + 0% -2%
Approvals as fast as
With access to affordable capital our landscaping clients can efficiently complete jobs

Grow Your Business with a Line of Credit.

Funds that are Available When You Need Them Most.

Landscaping projects often require large sums of money upfront or in advance which may not be possible without proper financing arrangements.

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A Quick and Easy Process from Start to Finish.

Finding the perfect line of credit facility is now easy! We work closely with you every step of the way to ensure everything goes smoothly.

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How Line of Credit Depot Works:

To qualify for a line of credit, your landscaping company should have demonstrated profitability on the most recent filed business tax return. This showcases your ability to afford payments after drawing funds from the line of credit. Even if your last tax return shows net losses, you may still be eligible.

Certain expenses (non-taxables) on the return can be "added back"
to the net profit amount, bringing your business to a qualifying requirement.

Examples of expenses that may be added back in are certain interest paid on borrowed money and depreciation expense incurred by use of equipment or real estate owned by company's members other than owner/officer/partner who is requesting loan.

Truly amortized product, where you only pay interest on money that is drawn from line.
Unsecured programs, no collateral needed, up to $250,000.
Annual Interest Rates are Prime (8.5%) + 0% to 2%.
Monthly payments with interest only options
How much do you need to access?
*FREE to Apply & NO credit check
Recent Success Story
Landscaping business in Nashville improves due to Line of Credit
Jack, an entrepreneur in the landscaping industry in Nashville, Tennessee was able to expand his business to the next level with the help of Line of Credit Depot.

Setting up a landscaping business was a challenging financial endeavor. After running the business for a couple of years, John wanted to have the business pay him back personally for the startup costs that he paid into the business.

With a credit line from Line of Credit Depot, Jack secured the necessary funds for his business in the Summer of 2020. This credit line helped him manage various financial aspects like buying equipment and marketing his hardscaping services.

The line of credit significantly improved Jack’s business. It enabled him to invest in hardscape machines, which allowed his workers to complete hardscaping jobs quicker. This allowed him to accept more hardscape projects and deliver fast results to his clients.

Moreover, the line of credit allowed Jack to market his services effectively. He set up a professional website and ran ad campaigns, which allowed him to book more projects. His landscaping business gained a good reputation in the community.

A major advantage of the line of credit was the ability to meet the seasonal demand. Jack hired more staff during peak seasons, making his business more adaptable and competitive.

We provide the Landscaping industry with bank-level financing

Streamline the process by filling out a simple online application. Say goodbye to lengthy paperwork and complex forms.
Our team of financial experts is dedicated to understanding your unique needs. We'll work closely with you to define the perfect financing option tailored to your business requirements.
Receive a range of offers from our trusted network of lenders. Take your time to evaluate and compare the options available. Choose the one that aligns perfectly with your goals and vision.
Experience the joy of quick and efficient funding. Within just a few days, your business will have the financial boost it needs to thrive. It's that simple!

"See if you qualify before you apply. Answer a few questions about your business to get a pre-approval."

Matthew Elling
Small Business Financing Expert & Founder of Line of Credit Depot
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Lines of credit are quite popular amongst landscape businesses and Line of Credit Depot has worked with many landscaping companies. Just like any other business there are all different reasons why a line of credit is needed to help finance the company operations. And there are not many reasons not to have a line of credit! 

We see that lines of credit are used by landscapers for general cash flow needs of the business, but also for specific reasons like:

-Awaiting on payments from clients

‘The check’s in the mail’, no business owner wants to hear this, but small businesses need bills to be paid fast. In the event that you are awaiting on Accounts Receivable, the line of credit can be used to pay for general operating expenses like fuel, labor costs, etc.

-In between payment schedules for large construction jobs

Large jobs can be risky for cashflow reasons, so it's good to have backup reserves of cash. Sometimes larger hardscape projects take longer than expected, so instead of asking for more money from the client, funds can be drawn and then returned to the credit line.

-Equipment Repairs

Does it ever seem that equipment breaks down all at once? Whether your ride on mower needs to be fixed or your landscaping trailer needs some welding work, a line of credit can help.

-Before/after change of seasons

As the seasons change, so does the work. This means that equipment like snow plows and snow blowers need to be ready. Also those blowers, trimmers, spreaders, mowers, and sprayers need to be ready for the Spring and Summer seasons.

Lines of credit are a must have for any business owner, but they are extremely popular amongst the professional trades, like landscaping and construction. This is because the service these trades are providing are capital heavy, meaning that it takes money to make money. Expenses to run a landscaping business is hefty and the number one expense is labor.

Landscaping is a big business in the United States. As of 2021 there are 615,458 landscaping service businesses in the US, a 5.3% increase from 2020. 

Whether you own a landscape maintenance or landscape construction company, your expense categories are most likely similar to other trade industries. According to IBIS World, The Landscaping Services industry in the US is labor intensive which means businesses are more reliant on labor than capital. The highest costs for business in The Landscaping Services industry in the US as a percentage of revenue are; Wages (33.2%), Purchases (8.6%), and Rent & Utilities (3.4%). 

A Line of Credit is a must have for landscaping professionals. How much are you looking for?