Landscaping & forestry equipment financing.

Commercial mowers, skid steers and mini excavators, wood chippers, stump grinders, forestry mulchers and mowers, log loaders and grapple trucks, trucks and trailers, and irrigation and turf equipment. Attachments can be bundled with the carrier. Transactions run from a $15,000 usual minimum to $5 million and above, new or used, from a dealer, an auction, or a private seller.

Yes. Seasonal and skip-payment structures are available on many programs, so a mowing or land-clearing operation can carry a lighter payment, or none, through the slow months and catch up when the revenue arrives. Deferred first payments are also common when the equipment goes to work before it is paid for. Tell us how your revenue arrives and the structure is built around it.

Yes. New, used, and refurbished equipment are financed from dealers, auctions, and private sellers. Used equipment is underwritten on its remaining useful life at the end of the term, and a private-party purchase adds a lien search, an inspection or appraisal on larger items, and funds paid directly to the seller rather than through you.

Expect 10% to 15% down on used equipment from a dealer and 15% to 25% on a private-party sale, with a rate roughly one to three points above the same equipment bought new. Hours matter more than age on mowers and compact equipment; bring the hour meter reading and any service records. See the private-party purchase guide.

Many established-business programs start around 600 FICO, and two or more years in business opens the broadest set of programs and the best pricing. Between one and two years narrows the field but stays workable; under one year the file is underwritten as a startup, which typically means 700+ personal credit, relevant industry experience, and working capital left after the purchase.

The score alone rarely decides it: cash flow, the equipment, and money down all move the answer. Full detail is in the qualification guidelines and the credit score guide.

Equipment finance agreements run 24 to 84 months and leases 24 to 60 months, with $1, 10%, or fair market value buyouts. The term cannot outrun the equipment's remaining useful life, so used equipment is often written on a shorter term than new.

Mowers and chippers are usually financed on shorter terms of 24 to 48 months to match how hard they are run; skid steers, trucks, and forestry machinery carry longer terms and hold value, so most owners finance them and keep them. The lease vs. loan guide runs one machine through every structure with real numbers.

Most applications get a first response within 1 to 2 business hours, with same-day options on qualified files and approvals in as little as 30 minutes on clean application-only files. Funding follows in as little as 24 to 48 hours once documents are signed.

Application-only decisions, with no tax returns or financial statements, are available up to $500,000 on qualifying files; above that, expect a full financial package. The application starts with a soft credit inquiry, which does not affect your score.

Usually, yes. For 2026 the Section 179 limit is $2,560,000 of qualifying equipment, phasing out above $4,090,000 of purchases, and bonus depreciation is 100%. New and used equipment both qualify, and financing does not change the deduction: equipment bought on an equipment finance agreement or a $1 buyout lease with nothing down is deducted the same as a cash purchase, as long as it is placed in service by December 31.

On a fair market value lease the funder owns the equipment, so you deduct the payments as rent instead. Run the estimate in the Section 179 calculator and confirm the treatment with your tax advisor.

Pretty much. A landscaping equipment loan is usually written as an equipment finance agreement: you own the equipment, pay it off over 24 to 84 months, and the equipment secures the deal. You can also lease instead. Leases run 24 to 60 months and end with a $1, 10% or fair market value buyout.

Usually as part of a bigger deal. Our usual minimum is about $15,000, and a walk-behind stump grinder or a small chipper can come in under that. Add a trailer, attachments, a second machine or a truck to the same agreement and it's one payment. For example, a $12,000 stump grinder and an $8,000 trailer come to about $498 a month over 48 months, at an assumed 9% with nothing down.

Yes. Leases run 24 to 60 months. With a $1 or 10% buyout, you buy the machine at the end for $1 or for 10% of its original cost. A fair market value lease usually has a lower payment, and at the end you can buy the machine at market value or give it back. On that kind of lease the funder owns the equipment, so you deduct the payments as rent. Most owners finance forestry mulchers and log loaders to keep, since they hold their value.

Run the numbers first in the Quote Builder: set the equipment cost, term, down payment, and structure and see an estimated payment in a few taps, with no credit pull. When it fits, one short application and a soft credit inquiry get you matched with a dedicated funding professional who manages the deal from application to funding.