Landscaping equipment financing, explained plainly

How equipment financing works

With an equipment loan (sometimes called an equipment finance agreement), a lender pays the seller and you repay the lender in fixed monthly payments. The equipment itself usually secures the loan. When it's paid off, you own it free and clear.

With a lease, the finance company owns the equipment and you pay to use it. At the end you might buy it, return it, or upgrade, depending on the lease type.

What lenders usually look at

• Time in business and the type of work you do
• The equipment: type, new or used, age, hours, and resale value
• The seller: dealer, private party, or auction
• Down payment and amount financed
• Credit and cash flow — reviewed only during a real application with a lender

See the full list on our requirements page.

Why landscaping is different

Landscaping is seasonal in much of the country, work happens on finished lawns and tight backyards, and crews often buy a machine, a trailer, and attachments together. Good financing planning accounts for all three — the machine, how you move it, and when the money comes in.

Our role today

We are building a broker service focused only on landscape and hardscape equipment. We have no lender partners yet, so we cannot offer rates or approvals. What we can do now: help you plan, estimate payments, and add you to an early-access list.