$10,000 – $500,000 · Funded in 24–48 hours · Cover equipment and crews · Bridge seasonal cash gaps
Equipment doesn't wait. Crews need to be paid every two weeks. And Houston winters will slow your revenue whether you plan for it or not.
Mowers, trailers, irrigation systems, and crew trucks run year-round expenses. But Houston landscaping has real slow stretches in winter and drought months. That gap either builds debt or kills growth.
Municipal and HOA landscaping contracts pay net-30 or net-60. Your crew gets paid every two weeks regardless. Materials, fuel, and equipment repairs don't wait either. The timing gap is the whole problem.
Moving from residential yards to commercial properties or HOA accounts requires more equipment, more crew, and higher bonding. You can't bid commercial without commercial equipment.
We match Texas landscaping companies with the right product for their situation, whether you need to cover payroll, buy equipment, or scale into commercial accounts.
Bridge payroll, materials, and overhead while commercial invoices clear. Fixed daily or weekly payments based on revenue, not collateral.
Fast cash for crew payroll or supply purchases when a contract starts this week. Repaid as a percentage of daily revenue so payments flex with your income.
Mowers, trailers, zero-turns, skid steers, and irrigation equipment without draining your reserves. The equipment serves as collateral.
Draw for seasonal ramp-up in spring and fall, pay down during slower months. Only pay interest on what you actually use.
Repayment tied to revenue so winter slow months don't create a fixed payment problem. Payments go up when you're busy, down when things slow.
Most landscaping companies qualify. These are the four criteria that matter most.
Equipment purchases, payroll gaps, and slow-month coverage. Here is what funding looked like for Texas landscaping operators.
A commercial landscaping company in The Woodlands won two new HOA contracts that together covered 80 acres. They needed two additional zero-turn mowers and a second crew trailer to handle the volume. Equipment financing closed in 3 days.
A landscaping contractor in Katy had three commercial accounts on 60-day payment terms. Spring ramp-up required 6 additional crew members and $18,000 in supplies. The working capital loan covered the 8-week gap.
A residential landscaping company in Cypress had a slow January and February with two major commercial accounts delayed. The MCA covered 6 weeks of payroll and kept the core crew intact until spring revenue picked back up.
Banks find reasons to decline landscaping businesses that are actually doing well. Here is what they flag, and what we look at instead.
Banks see a slow January and flag your business as unstable, even if your spring and fall revenue is strong enough to cover the whole year twice over.
Seasonal revenue is expected in landscaping. We look at annual averages and trailing 3-month history. Spring and fall revenue peaks support stronger offers even if winter is slow.
Banks want newer equipment or real estate as collateral. If your mowers are a few years old, they may decline the loan entirely rather than find another path.
Working capital and MCA products don't require equipment as collateral. Revenue history is the security. Newer equipment financing uses the equipment itself.
Banks typically want two full years of tax returns before approving any business loan. A landscaping company doing $25K per month in year one gets nothing from a bank.
Most products work at 6 months in business with consistent revenue. You don't need two years of tax returns for an MCA or working capital advance.
Takes 60 seconds. No credit impact. A funding specialist contacts you within 2 business hours.
A Lone Star Capital Group specialist will contact you within 2 business hours to walk through your landscaping funding options.
Takes 60 seconds. No cost to apply.
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