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, so the fleet you can carry ends up set by your slowest month rather than your best one. If you only cut, that is four or five months of payments on a mower 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 oldYear one is when an operator buys the most, and it is a normal time to do it. Lenders read the directors, so a young corporation is often straightforward to place.
- 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.
Who this is for
Built for operators who are adding, not just replacing
- Adding a second crewThe work you turn down in June is the reason to buy in April. The kit goes in before the season, not after it proves itself.
- Replacing iron that costs more than it earnsWhen downtime and repair bills outrun a payment, the old machine is the expensive one.
- Bidding work the current fleet cannot coverContracts you could win if the equipment existed. That is a timeline, and it is the one we work to.
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. Does that limit what I can buy?
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.
How much equipment can I carry at once?
Running more than one file at a time is normal as a fleet grows. What is realistic depends on the equipment, the directors and where the revenue is going, which is the first conversation rather than a form field.
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
- Year one is the sweet spot, lenders read the directors
- Banks and private lenders, so the file goes where it fits
- The first machine or the fifth, with no fixed ceiling
Send your details
Thanks, you're all set. Built Capital gets back to you directly to set things up.