Swiftbank Lenders, a small-business funding service in Grand Forks, North Dakota, explains funding for landscaping and lawn care companies: equipment financing for commercial mowers, trailers and skid steers, lines of credit for crew payroll and materials, and term loans to buy a route or company. It includes what partners review and Grand Forks County landscaping counts.
| Landscaping employers, county | 31 (CBP 2023) |
|---|---|
| Share under five employees | 71.0% (CBP 2023) |
| Landscaping businesses without payroll | 69 (NES 2024) |
| Landscaping employers, ZIP 58201 | 12 (ZBP 2023) |
The Landscaping Cash Cycle
Landscaping companies buy and maintain a fleet of mowers, trimmers, trailers and trucks; pay crews by the hour; and buy plants, stone, mulch and sod for installation jobs. Maintenance customers may pay monthly; install customers may pay a deposit and the balance at completion; commercial property managers may pay on 30-day or longer terms.
The timing of revenue across the year varies by company and by service mix. This page makes no local claim about when Grand Forks County landscapers are busiest; your own statements show your pattern.
Commercial Lawn Mower Financing
Zero-turn and stand-on mowers, trailers, aerators, compact tractors and skid steers are core landscaping equipment, and all are equipment financing candidates. Dealer financing is one route for mowers; a partner's equipment loan may fit a package of several machines or used equipment. Can you finance a lawn mower bought used? Often, with the hours and a dealer invoice.
Worked numbers, hypothetical (not an offer)
A two-crew company adds a third crew: a 60-inch zero-turn at $14,500, a 21-inch push mower at $1,200, trimmers and blowers at $2,300, and an enclosed trailer at $9,000, for $27,000 in total. Financing the package as one equipment request keeps one payment, and the projected route revenue from the third crew is what a partner compares with it.
Can I Get a Loan for Landscaping Installation Work?
For the business, yes: materials and crew wages for a large install, paid before the customer pays the balance, are a working capital need, and a line of credit suits companies with several installs a year. (Homeowners searching 'can you finance landscaping' are looking for consumer financing, which this site does not arrange.)
Landscaping Finance Companies Versus Dealer Financing
| Source | Typical use | Trade-off |
|---|---|---|
| Equipment dealer financing | A single new machine from that dealer | Tied to one brand and dealer |
| Equipment financing partner | Packages, used equipment, trailers | Different paperwork and terms |
| Line of credit | Payroll and materials between payments | Partners review deposits |
Buying a Landscaping or Lawn Care Company
Buying an existing route brings customers and equipment at once. The purchase can be a term loan, and partners review the seller's customer list, contracts and equipment condition. The full walk-through is in buying a lawn care or landscaping business in Grand Forks, ND.
Landscaping in Grand Forks County, ND: The Census Counts
Grand Forks County had 31 landscaping services employers (NAICS 561730) with 177 employees and $6.4 million in annual payroll in 2023 (County Business Patterns), about $36,300 per employee by our arithmetic. Twenty-two of the 31, or 71.0%, had fewer than five employees, and 12 had a ZIP 58201 address (ZIP Code Business Patterns 2023).
Separately, 69 landscaping businesses operated without payroll in 2024, with $2.0 million in combined receipts (Nonemployer Statistics, NAICS 56173). That count comes from a different program and year from the employer figures, so the two are not added.
Adding a Second Service Line to a Landscaping Company
Some landscaping companies add a second service line, such as hardscaping or commercial property maintenance, to keep crews and trucks working. The added equipment (compact excavators, plate compactors, skid steer attachments) is financed like any other equipment. This page makes no local claim about demand for those services; if you are adding one, bring the contracts or customer commitments that support it, because signed work gives a partner more to read than projections.
Landscaping Business Loans: What Partners Review
- Business bank statements covering a full year
- Customer contracts or a route list
- Equipment quotes with make, model and hours
- Mower, trailer and truck loans already in place
- Last year's business tax return, complete
Contractors who do hardscape and grading may find the contractor page useful. Census counts for the county are on the Grand Forks, ND page, and other trades on the industry index.
