Landscaping Equipment Financing: Mowers, Trucks, and Trailers Ready for the Season
Your season is short. The window to add crews, add routes, and add revenue is measured in weeks, and it opens whether or not your equipment is ready.
Everlasting Capital finances landscaping and lawn care equipment — new and used, from a single zero-turn to a full crew package. Approvals often come back in hours. Funding can follow in as little as 24 hours.
Apply now at everlastingcapital.com/apply
What we finance in landscaping
- Mowers — zero-turns, stand-ons, walk-behinds, wide-area
- Trucks — pickups, dumps, flatbeds, chip trucks
- Trailers — enclosed, open, dump, equipment
- Compact equipment — skid steers, mini excavators, compact track loaders, stump grinders
- Tree care — chippers, bucket trucks, climbing gear, aerial lifts
- Hardscape — plate compactors, saws, mixers, block splitters
- Irrigation — trenchers, vibratory plows, pipe pullers
- Snow and ice — plows, spreaders, salt equipment, blowers
- Handhelds and attachments — trimmers, blowers, edgers, buckets, forks, grapples
- Sprayers and application equipment
- Fuel, shop, and storage — tanks, containers, shelving
Amounts from $1,000 to $2,000,000. A single mower or an entire crew build.
Cash flow: your money is seasonal and we know it
This is the industry where structure matters most.
You buy equipment in February and March. You don't make real money until May. In the north, November through March is a hole you climb out of every year. A financing structure that ignores that isn't financing — it's a problem you've scheduled for yourself.
Deferred payment options let you delay full payments while the season starts and the routes fill. Buy the mower in March, start paying when it's cutting.
Terms up to 60 months keep the monthly number low enough to survive the off-season, when the payment is still due and the revenue isn't.
100% financing covers what the price tag leaves out — freight, taxes, the trailer to haul it, the blades and belts and the first case of oil.
If you run snow, you have the opposite curve and a reason to talk to us about how the two seasons interact. Either way: tell us how your year actually looks and we'll build around it. That's what we do.
New vs. used: buy the hours, not the paint
Landscaping equipment is bought and sold constantly, which makes it one of the best used markets we finance.
Used makes sense for: trucks, trailers, compact equipment, hardscape tools, plows, and anything with a strong resale market. A three-year-old zero-turn with reasonable hours cuts grass exactly like a new one at a meaningfully lower price, and the previous owner absorbed the steepest depreciation.
New makes sense for: your primary production mower, where downtime costs you routes and the warranty is real money. If one machine going down stops a crew for a day, buy the warranty.
Used qualifies for the same first-year write-off as new — bonus depreciation requires first use by your business, not first use ever.
And here's one banks won't tell you: they generally cap equipment age at loan maturity, which means a 5-year note often won't cover a machine older than 3–5 years at purchase. We finance older equipment when it inspects well and the price lines up with market comps. If a bank declined you on machine age, that's a formula, not a verdict.
Section 179: deduct the fleet this year
Qualifying equipment placed in service before December 31 can be deducted in full in year one under Section 179 and 100% bonus depreciation — on financed equipment, not just cash purchases.
Example: you finance $75,000 in mowers, a trailer, and a used truck in the spring. You may be able to deduct the full $75,000 against 2026 income while a fraction of that has actually left your account — and the equipment spends the whole season earning.
Vehicles have their own rules. Trucks with beds at least six feet long generally escape the SUV cap; SUVs between 6,000 and 14,000 lbs GVWR are capped; lighter vehicles face much tighter limits. Check the GVWR on the door jamb before you buy, and talk to your CPA — this is one where the truck you pick genuinely changes the tax math.
For seasonal businesses, the timing question is real: a strong year argues for taking the deduction now, a thin one might argue for a different approach. Worth a real conversation with your accountant, not a guess.
Why we say yes
Banks look at landscaping and see seasonality, a lot of sole proprietors, cash-heavy revenue, and equipment they don't understand how to value. Their model declines the industry before it reads your file.
We underwrite the asset. There's a machine with a documented resale value behind the deal, and an active market to prove it.
Bad credit, no credit, great credit, or a company you started last spring: it's a conversation. We've been doing this since 2012, and we have a burning desire to prove ourselves to every customer regardless of their financial situation.
What to have ready
- The quote or listing — make, model, hours, year, price
- Basic business info — time in business, annual revenue, service mix
- Recent business bank statements — usually the last three months
- A sense of your season — when your revenue starts and stops
- A target payment — what a winter month can carry, not a July one
Let's get you ready for the season
Everlasting Capital finances landscaping and lawn care equipment from $1,000 to $2,000,000 across all 48 continental states — new and used, terms up to 60 months, deferred payment options, up to 100% financing including freight and taxes.
Applications take minutes. Approvals often in hours. Funding in as little as 24 hours.
Apply now at everlastingcapital.com/apply
Everlasting Capital is not a tax advisor and this article is not tax advice; consult a qualified tax professional regarding Section 179, bonus depreciation, and vehicle deduction limits. Financing terms, amounts, and approval times vary by program, credit profile, and equipment type, and are subject to underwriting approval.
