Landscaping equipment financing helps Loveland, Colorado lawn care and landscape crews buy mowers, trucks, trailers and installation tools, and cover payroll while commercial clients pay. Larimer County, CO counted 210 landscaping employers in 2023. This page covers mower financing, an equipment list, trucks, working capital and finance companies.
At a glance
- Landscaping employers, Larimer County, CO
210, 63.8% with fewer than five employees (Census County Business Patterns 2023)
- Landscaping employees
1,437 (Census County Business Patterns 2023)
- Landscaping businesses without paid employees
460 (Census Nonemployer Statistics 2024)
Landscaping Equipment Loans Beside Larimer County, CO Crew Counts
County Business Patterns counted 210 landscaping services employers in Larimer County, CO in 2023, with 1,437 employees and $79.1 million in payroll; 63.8% had fewer than five employees, and 30 had a ZIP 80537 address (Census County Business Patterns 2023; Census ZIP Code Business Patterns 2023). Nonemployer Statistics counted 460 landscaping businesses without paid employees for 2024 (Census Nonemployer Statistics 2024): owner-operators with a truck, a trailer and a mower.
For both groups, equipment is the business. A crew cannot mow without a mower or haul without a trailer, and each item carries a serial number and a resale market that a funder can read.
A Lawn Care Equipment List and What Each Item Costs to Finance
| Item (invented price) | Price |
|---|---|
| Commercial zero-turn mower | $17,500 |
| Stand-on mower | $12,800 |
| Crew truck | $54,000 |
| Enclosed trailer | $11,500 |
| Package total | $95,800 |
| Monthly payment, 60 months at an invented 9.25% (our arithmetic) | $2,000 |
A list like this, with quotes attached, is the core of a landscaping equipment request. Adding hours per week each machine will run shows a partner how quickly the package earns its payment.
Commercial Mower Financing: Zero-Turns, Stand-Ons and Decks
Zero-turn mowers cover open lawns quickly; stand-on mowers fit tight properties and trailers; walk-behinds handle slopes and gates. Dealers offer their own financing programs, and outside equipment funders finance the same machines. Comparing a dealer promotion with an outside offer means adding every payment and fee for each, since a low promotional rate can come with a higher price on the mower itself.
Crew Trucks and Enclosed Trailers on an Equipment Loan
Trucks and trailers are titled vehicles, and the funder holds the title until the loan is paid. A truck used only for the business, titled to the business, reads more cleanly than one shared with personal use. Upfitting, such as racks, dump bodies and tool boxes, can be included on the same quote.
The article on equipment loans and capital leases compares owning and leasing for mowers and trailers.
Working Capital for a Landscaping Company Paid on Net Terms
Property managers and HOAs can pay on net terms. Illustration only, invented figures: a crew with a $7,200 weekly payroll that waits 45 days for a property manager's payment carries about $46,286 in wages before the check arrives (our arithmetic). Working capital or a line drawn weekly and paid down when invoices clear bridges that.
A partner will read the client list, the contracts and how long each client takes to pay.
Irrigation and Hardscape Tools for Installation Crews
Installation crews buy trenchers, compact track loaders, plate compactors and saws. Illustration only, invented figures: a $26,000 trencher and compactor package over 48 months at an invented 10% annual rate costs about $659 a month (our arithmetic). Installation jobs bring material costs before the client pays, which adds a working capital need to the equipment one.
Buying a Landscaping Route or Company With Its Contracts
Buying an established landscaping company brings its trucks, mowers and its maintenance contracts, which carry much of the price. Illustration only, invented figures: a $140,000 purchase with $28,000 down, financed over 84 months at an invented 9.75% annual rate, costs about $1,845 a month (our arithmetic). A partner will ask which contracts are signed for the coming year, whether they can be assigned to the buyer, and how many clients have stayed with the seller for several years.
The term loan page explains acquisition loans in general.
Used Mowers and Hour Readings for Lawn Crews
Used commercial mowers are sold by hours, like construction machines. A partner financing a used mower will look at the hour meter, the deck and engine condition, and whether a dealer has inspected it. Older machines may get a shorter term so the payments end while the mower is still cutting. Buying from a dealer with service records can make a used purchase easier to fund than a private sale with none.
Landscaping Finance Companies: Dealers, Banks and Equipment Funders
Landscapers can finance through equipment dealers' captive programs, banks and credit unions, independent equipment funders, and online lenders. Each reads the same core records. The Colorado lender-types guide describes the lender groups, and Rowanrun Business Loans places requests with funding partners drawn from them; the partner decides.
The loan-or-lease question for mowers and trailers is set out in equipment loan or capital lease.
By Rowanrun Business Loans · Updated