Equipment loan · Landscaping
Equipment loan for landscaping
Landscaping finance is seasonal, asset-backed lending for landscape construction and maintenance businesses, funding mini excavators, tippers, trailers and mowing equipment plus working capital across the winter trough.
How a equipment loan works for landscaping
A mini excavator, skid steer or posthole auger is the difference between quoting a job and losing it to someone who owns the machine. Equipment finance funds the purchase against the plant over three to five years, so the machine pays for itself out of the jobs it wins. Compact plant holds resale value well, which keeps pricing sensible even for younger businesses. If you currently hire the same machine repeatedly, add up a year of hire invoices before deciding — it often exceeds the repayment.
The cash-flow pattern we plan around
Strong spring-to-autumn trade with a pronounced winter slowdown, against equipment repayments and retained crew wages that continue year round.
What landscaping typically fund
- Mini excavators, skid steers and compact plant
- Tipper trucks and plant trailers
- Ride-on mowers, turf equipment and chippers
- Materials and plant purchases ahead of a large job
- Working capital through the winter trough
Equipment loan for landscaping: the numbers
| Typical amounts | $5,000 – $5,000,000 |
|---|---|
| Term | 12–84 months |
| Indicative rates | 6.9% – 16% p.a. |
| Repayments | Monthly |
| Speed | Same day to 48 hours for low-doc |
| Documents landscaping usually need | ABN and any required contractor licensing · 6–12 months of business bank statements · Supplier quote for the machine or trailer |
Rates shown are indicative ranges observed across our lender panel for the period stated. They are not an offer or quote. Your rate depends on your business, the lender, the amount, the term and the security offered. The lender makes the final credit decision.
Key terms
Landscaping equipment finance
Landscaping equipment finance is secured lending for compact plant, tippers, trailers and turf equipment used in landscape construction and maintenance, usually written over three to five years against the asset.
Seasonal trough funding
Seasonal trough funding is short-term working capital that carries a weather-dependent business through its quiet months so that fixed equipment repayments and retained wages continue to be met.
What is equipment finance?
Equipment finance is any loan or lease used to acquire business equipment, with the equipment typically serving as security. The main structures in Australia are chattel mortgages, finance leases and rentals.
Low-doc equipment finance
Low-doc equipment finance approves smaller amounts (often up to $150,000–$250,000) without full financials, relying on ABN age, GST registration, credit history and sometimes a property-owner declaration.