INDUSTRY FUNDING
The spring deposits don't arrive until the ground thaws — but crews, trucks, and vendors don't wait for April. Coast bridges the season.
Landscaping earns twelve months of overhead in about seven months of season. The book can be full — installs sold, maintenance routes signed, deposits promised — and the bank account can still run thin in January, because signed work isn't paid work. The winter gap isn't a business problem; it's the shape of the business.
Spring makes it worse before it makes it better. Ramp-up means payroll for crews you're rehiring, mowers and trucks coming out of service, trailers, fuel, fertilizer, and plant material — all spent before the first invoices go out. Commercial accounts then pay net-30 to net-60, and one property manager paying late (or not at all) can put a profitable season under real pressure.
Coast funds landscape and lawn care operators, tree services, and irrigation and hardscape crews with capital that reads a full spring schedule for what it is: revenue that just hasn't landed yet.
Keep your crew leads and account managers through the gap so you're not rebuilding the team every March.
Fund payroll and materials for booked jobs whose deposits won't arrive until the season opens.
Finance zero-turns, trucks, trailers, and skid steers over 2 to 5 years — new or used, with the equipment as collateral.
When a commercial customer stiffs you, keep vendors paid and crews moving while you pursue what you're owed.
Stock fertilizer, plant material, and irrigation parts — and get the fleet serviced — before spring pricing and lead times bite.
Take on the new maintenance contract or neighborhood with the truck, trailer, and payroll it requires.
| Your situation | The fit | Why |
|---|---|---|
| Booked spring work; deposits still weeks out | Working Capital | A bridge sized to the gap, terms from 6 to 24 months |
| A mower, truck, trailer, or skid steer to buy | Equipment Financing | Up to $5M over 2 to 5 years — the equipment is the collateral |
| The same winter gap, every winter | Business Line of Credit | Draw as needed each season, pay only on what you use ($200K+ revenue) |
| A defined growth move — a crew, a route, a yard | Business Loan | Lump-sum capital with a fixed payment schedule |
| A smaller need you'd rather handle fully online | Swell — our online revenue advance | 15-minute application, draw as needed, pay only for what you use |
A Southern Plains landscaping company doing roughly $500–600K a year got stiffed $30K by a customer. The owner paid every vendor anyway — and had $130K of February jobs on the books whose deposits wouldn't arrive until after New Year. Coast funded a $25K bridge on a 5-month term the next day, covering payroll and materials until the signed work paid. The season opened with the crew intact and the vendors loyal.
A Southeast tree service company needed equipment to keep jobs on schedule. Coast structured roughly $21K on a 12-month term with weekly payments matched to the company's deposit rhythm. The gear went to work the same season it was financed.
Coast works with established landscape and lawn care operators. These are floors, not ceilings — and a seasonal business is judged on its year, not its January.
If you're close to these marks, talk to us — your advisor reads the whole business, signed contracts and spring schedule included, and gives you a clear answer either way.
Yes — winter is when most landscapers need capital, and our underwriting evaluates your trailing year of revenue, not your slowest month. A thin January with a booked spring is the normal shape of this industry. Coast has funded landscapers in the dead of winter, next day, precisely to bridge payroll and materials to signed work.
No. Seasonality is expected in landscaping and lawn care, and approvals are based on annual revenue and overall business performance. What strengthens your approval is what strengthens your business: signed contracts, recurring maintenance routes, and a track record of strong seasons. Payment schedules can also be structured with your cash rhythm in mind.
Yes. Used equipment qualifies for equipment financing — zero-turns, trucks, enclosed trailers, skid steers, chippers — with the equipment itself as collateral and terms of 2 to 5 years. If you've found the right unit from a dealer, an auction, or another operator, an invoice or purchase agreement is usually all our equipment team needs to move.
Yes — this is one of the most common landscaping requests we see. A bridge loan keeps vendors paid and crews working while you pursue the receivable, so one bad account doesn't cost you good ones. One client stiffed for $30K was funded $25K the next day and never missed a payroll.
Often, yes. The floors are a year in business, $100K+ in annual revenue, a minimum 600+ FICO, and a business bank account — plenty of one-truck lawn care operations clear them. If you're near the revenue line, a conversation with an advisor settles it quickly, and applying won't affect your personal credit.
Signed work strengthens your approval, and bridging to booked jobs is exactly what our working capital program is for. Underwriting still anchors on your revenue history, but a contracted spring schedule gives your advisor a clear basis for sizing the bridge — the amount, the term, and payments your deposits can comfortably retire.
A short application and recent business bank statements — most owners finish in minutes, and there's no hard credit pull to apply. If equipment is involved, have the invoice or purchase agreement ready. From there, your advisor structures options and, on straightforward requests, funding can land as fast as the next business day.
A dedicated Business Funding Advisor can structure capital around how your business actually operates. No hard credit pull to apply.
*Closing documents must be completed by 11 AM PT Monday through Friday to receive funds the same business day. Weekend approvals will be processed the following business day.
Client examples reflect actual funded transactions with identifying details removed; individual results vary and are subject to underwriting approval.
Certain programs may be made available or arranged pursuant to California Financing Law License No. 60DBO-146720.