Sunleaf Business Capital, based in Spring, Texas, helps landscapers and lawn care companies compare equipment financing, landscaping business loans and credit lines. County Business Patterns counted 141 landscaping services firms with paid staff in Montgomery County, TX in 2023. Funding partners read each request and decide on their own.
At a glance
- Landscaping firms with paid staff
141 in Montgomery County, TX (CBP 2023)
- Paid employees at those firms
1,170 in Montgomery County, TX (CBP 2023)
- Landscaping businesses without paid employees
1,413 in Montgomery County, TX (Nonemployer Statistics 2024)
Financing landscaping equipment for Spring, TX landscapers
Financing landscaping equipment means matching each machine to a payment the crew's contracts can carry. Mowers, skid steers, mini excavators, trailers, trimmers and blowers all have serial numbers and resale value, which lets the equipment secure the deal. A truck adds a title and registration to the file.
County Business Patterns counted 141 landscaping services firms (NAICS 561730) with paid employees in Montgomery County, TX in 2023, with 1,170 employees and $55.3 million in payroll; 79 of the 141, or 56.0%, had fewer than five employees. Nonemployer Statistics counted 1,413 landscaping businesses without paid employees in the county for 2024, with $75.3 million in receipts. Those are two different Census counts, so neither is added to the other.
Landscape equipment financing in Spring, TX: what landscapers compare
Landscape equipment financing can come from the dealer, an equipment finance company or a bank. Dealer promotions can look low on the monthly figure; compare the total of all payments, any balloon at the end and the price of the machine with and without the promotion. A lease adds the buyout to that comparison.
Illustration only, invented figures: a $16,500 commercial zero-turn financed at 10.5% over 48 months costs about $422 a month, $20,278 in total (our arithmetic, fees excluded). In this invented case the crew lead checks how many weekly accounts cover that payment.
Lawn care business loans for Spring, TX crews
Lawn care business loans for a crew that is already working rest on deposits from residential routes and commercial contracts. Route lists, signed maintenance agreements and the bank statements that show those payments arriving give a partner a clear view of the revenue behind the request.
A lawn care company adding a second crew needs a second truck and trailer, a second set of mowers and trimmers, and wages for the new crew before the new accounts pay. That is equipment financing for the gear and working capital or a line for the wages.
Landscaping business loans for Spring, TX payroll and trucks
Landscaping business loans that cover payroll and trucks separate the two: trucks are financed as equipment with the title as collateral, and payroll is a short-term need covered by a credit line or working capital. Where commercial maintenance contracts pay on invoice terms, the line bridges from payday to payment.
A business line of credit lets a landscaper draw only for the weeks that need it and pay the balance down as invoices are paid. Working capital is the fixed-schedule alternative.
Commercial lawn mower financing for Spring, TX crews
Commercial lawn mower financing is a plain equipment request: one machine, one quote, one serial number. Stand-on and ride-on mowers, and the trailers that carry them, can be bundled into one package from one dealer.
Illustration only, invented figures: a crew package of two mowers, a skid steer and a trailer costs $92,000. With $9,200 down and $82,800 financed at 10.25% over 60 months, the payment is about $1,769 a month (our arithmetic). The Spring, TX equipment financing page sets a loan beside a lease for the same machine.
Small business loans for Montgomery County, TX lawn care companies
Small business loans for lawn care companies follow the same file as other service firms: bank statements, the latest tax return, a profit and loss statement and a list of current equipment payments. Adding route counts and contract lengths helps a partner read the revenue.
- Twelve months of business bank statements.
- The most recent tax return for the business, plus a profit and loss statement through last month.
- Signed commercial maintenance agreements and their payment terms.
- Dealer quotes for each machine, with serial numbers when available.
- Titles for trucks already owned and the payoff on any truck loans.
A crew that also sells irrigation installs or hardscape projects can show those jobs separately, since project work and route work pay on different schedules. Partners read both, and a clear split keeps the request easy to follow.
By Sunleaf Business Capital · Updated