Landscaping business financing in Edmond, OK starts with the machine or the cost. Zero-turn mowers, spreaders, trailers and track loaders go on equipment terms; crew payroll on a newly signed commercial account can sit on a credit line until the first invoice is paid; and a second crew combines both. This post prices each in invented figures.
Two zero-turns and a stand-on spreader on a 48-month loan, a dump trailer and a compact track loader on separate agreements, weekly payroll for a new account drawn on a line until the first payment, and a second crew's truck, trailer and mower set against its monthly payroll. All figures are invented.
Zero-turn mowers and stand-on spreaders on equipment terms
Mowers and spreaders are equipment with serial numbers, so the machines themselves can serve as the collateral for equipment financing, and a request can list new or used ones. A funding partner may ask for the hours on a used machine and the dealer or seller behind it.
Illustration only, invented figures: a landscaper buys 2 zero-turn mowers at $13,480 each and a stand-on spreader at $8,950, $35,910 for the three. At a 9.7% annual rate over 48 months, the invented payment is $905.61; across the term the payments total $43,469.28, so the interest is $7,559.28.
The order can also be split. If the spreader went on its own 24-month agreement at the same 9.7%, its invented payment would be $411.76, and the two mowers alone over 48 months would run $679.90: $1,091.66 a month for two years, then $679.90 for the last two. On its own over 48 months, the invented spreader would carry $1,884.08 of interest; over 24 months it carries $932.24, $951.84 less, in exchange for a higher payment while both agreements run.
A dump trailer on a shorter term than the compact track loader it hauls
A dump trailer and a compact track loader can sit on one dealer quote, but they need not share a term. The trailer is the simpler machine and can be paid off sooner.
Illustration only, invented figures: a dump trailer at $11,640 on 36 months at 9.5% runs $372.86 a month, and a track loader at $58,960, financed in full over 54 months at 10.5%, runs $1,374.72. Together the two invented agreements cost $1,747.58 a month until the trailer is paid off in month 36, then $1,374.72 for the last 18 months.
Crew payroll before commercial accounts pay
A new commercial maintenance account can mean extra workers on the payroll weeks before the account pays anything. If the first invoice goes out at the end of the first month and is paid 30 days later, the crew is paid every week for about two months first.
Illustration only, invented figures: a new account adds two workers at a combined $2,960 a week, paid on days 5, 12, 19, 26, 33, 40, 47 and 54, and the first payment arrives on day 60. Drawing each payroll on a credit line and paying back all 8 invented draws ($23,680) on day 60 costs $309.67 in simple daily interest at a 15.65% annual rate.
After the first payment, each month's invoice pays for the month before, and the line has room again for the next account. If a contract's payment terms stretch every invoice past 60 days, the gap repeats, and a working capital loan sized to it is worth pricing next to the line.
Adding a second crew with its own equipment
A second crew needs its own truck, trailer and mower before it can take on accounts. Illustration only, invented figures: a used crew truck at $38,500, a 16-foot open trailer at $5,400 and one more zero-turn at $13,480 come to $57,380. Financed for 60 months at a 9.6% annual rate, that invented crew package means $1,207.89 a month.
Add an invented crew payroll of $12,800 a month, and the second crew's accounts need to bring in $14,007.89 a month before insurance, upkeep and supplies. That sum is a useful number to set against the accounts the crew is meant to serve.
The landscaping industry page covers aerators, a chipper and stump grinder, battery tools and a mower repair bill. To ask about machines or crew payroll, call (405) 526-4987 or send the request form.
By Skywater Business Funding · Updated
