Specializing In Small Business Loans For Landscaping & Lawn Care Companies
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Intro To Business Loans For Landscaping Companies
Success in landscaping requires quality equipment and employees. However, both resources are challenging to obtain due to external factors like seasonality and increasing competition. Residents of busy areas have many landscaping companies to choose from, many of which might be looking to poach workers by promising higher hourly wages. And since most people view landscaping as a luxury, the state of the general economy can directly impact demand. US Capital has access to small business loans for landscaping companies that wish to retain employees and secure equipment as cash flow fluctuates throughout the year.
In this guide, we’ll answer the following questions and more:
- What Are Landscaping Business Loans?
- How Do Landscaping Business Loans Work?
- What Are The Advantages of Landscaping Business Loans?
- What Are The Disadvantages of Landscaping Business Loans?
- How Do You Apply For Landscaping Business Loans?
- What Kind of Landscaping Equipment Can You Finance?
- Is It Hard For Landscaping Companies To Get Business Loans?
- What Can Landscaping Companies Use Business Loans For?
- Can I Get a Landscaping Business Loan With Bad Credit?
- What If I’m Declined For a Landscaping Business Loan?
We have access to various business loan options for the construction industry that have proven to work for our clients. Take advantage today.
What are Landscaping Business Loans?
Landscaping Business Loans are business loans geared towards the cash flow cycles and capital expenditures of construction contractors. In addition to covering short-term needs and larger purchases, these business loans can bridge revenue gaps during slow periods or when projects get delayed.
Landscaping Business Loans can come in the form of:
- SBA Loans
- Equipment Financing
- Business Line of Credit
- Working Capital Loans
- Merchant Cash Advance
- Revenue-Based Business Loan
- Accounts Receivable Factoring
How Do Small Business Loans For Landscaping Companies Work?
Each of the products listed above can suit a different type of expense or cash flow issue. For example, one of the biggest challenges of landscaping businesses is seasonality. Demand drops when temperatures do the same. But once the weather changes, landscaping businesses must recruit workers and secure equipment to prepare for the busy season. Landscaping Business Loans can provide the means to acquire both resources in the weeks (or even months) beforehand.
Logical solutions for this common dilemma include short-term Working Capital Loans and a Business Line of Credit. Working Capital Loans are typically best for keeping the business running during slower months since the borrowing amount is directly based on monthly bills. On the other hand, a Business Line of Credit makes more sense when the slow season comes to a close. Interest rates are lower when you can pay off the full balance as quickly as possible.
Both options can also be used to cover unforeseen expenses for large projects (i.e., extra supplies) or cover payroll when projects get delayed. If either situation is prevalent for your business, a Business Line of Credit will prevent you from having to apply for more funding every time they occur.
Maybe you’re in the middle of a project, and you need cash now, but your customer isn’t scheduled to pay for several weeks. In this case, you might consider Accounts Receivable Factoring. The business loan provider purchases the account for a discount price and then assumes the responsibility of collecting from your customer. Once the payment is collected, you receive the remainder from the initial sale, minus fees. You can also decide if you want all the money upfront or a little bit at a time.
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