Landscapers don’t get paid when mowers are down or crews wait on hand tools. Zero-turns, stand-ons, compact tractors, mini-skids, trailers, and handheld fleets add up fast—before you budget for racks, maintenance kits, and crew safety. Leasing through a broker opens private/alt-lender routes that bundle soft costs, stage vendor payments, and keep monthly spend predictable. As both a financing partner and (where inventory fits) a seller, Mehmi can quote, fund, and coordinate delivery on a single timeline. Feel free to contact our credit analysts for tailored guidance.
What you can lease (typical landscaping bundle)
- Grounds & turf: Zero-turn and stand-on mowers, walk-behinds, dethatchers, aerators
- Compact power: Mini skid steers, compact tractors, trenchers, stump grinders, wood chippers
- Transport: Landscape trailers, enclosed tool trailers, tool racks, tie-downs
- Handheld & battery: Trimmers, blowers, hedge cutters, multi-head systems, battery packs/chargers
- Safety & shop: PPE, cones, signage, storage, service kits
- Soft costs: Delivery, PDI, installation, racks, decals, training—often eligible to bundle in the same lease
Explore options: Financing & Leasing • Refinancing & Sale-Leaseback • Equipment Line of Credit. Estimate payments with our calculator.
Why leasing beats cash (especially pre-season)
- Preserve working capital for payroll, fuel, and marketing.
- Match cost to revenue with step-up or seasonal schedules.
- Bundle the “invisible” items (racks, decals, training) to avoid mid-project cash squeezes.
- Refresh easily as models and battery platforms evolve.
Structures that fit field reality
| Structure | Best For | Monthly Impact | End-of-Term |
|---|
| FMV (Operating) | Frequent refresh on mowers/handhelds | Lowest payment | Return, renew, or buy at fair value |
| $10 / Fixed Residual | Keepers (trailers, compact tractors) | Moderate | Title transfers for nominal/fixed amount |
| Sale-Leaseback | Unlock cash from owned equipment | Immediate liquidity | Reacquire at residual |
| Progress-Funding | Multi-unit fleet builds | Interest on draws; converts at acceptance | Term starts post-delivery |
Not sure which fits? We’ll price them side-by-side with the calculator.
What private underwriters actually look for (beyond the score)
- Work visibility: Signed/renewing maintenance contracts, route lists, municipal/HOA sites, seasonal projections
- Cash-flow coverage: 6–12 months of business bank statements showing room for the new payment
- Asset/vendor quality: Mainstream brands, parts/service access, warranty terms, photos/serials on used
- Sponsor strength: Years operating, crew count, WSIB/WCB standing, insurance
- File hygiene: Clear PPSA (or payoff plan), valid insurance with lender named as loss payee
If receivables are slow (30–60 days), layer Invoice Factoring or a small revolving buffer via Equipment Line of Credit.
Typical terms & levers (fast-approval ranges)
- Term: 24–60 months (72 for larger compact power bundles)
- Down / first & last: 0–15% or 1–2 payments in advance (helps B/C/D files)
- Payment shape: Step-up during ramp; seasonal/skip for winter off-months
- Security: PPSA on assets; telematics on powered units; insurance binder naming lender as loss payee
- Refi window: After 12–18 clean payments, revisit via Refinancing to trim rate/extend term
Broker fast-approval path: 7 steps from quote to site
- Lock your bill of materials: units, attachments, racks, decals, soft costs.
- Pick structure: FMV for mowers/handhelds; fixed-residual for trailers/tractors; sale-leaseback if cash is tight.
- Package the file: Application/IDs/void cheque, incorporation/ownership, last filed + YTD interims, 6–12 months bank statements.
- Prove the work: Contract list, route schedule, rate sheet (monthly/seasonal).
- Milestone funding: Deposit → delivery → acceptance so dealers get paid on time.
- Shape payments: Step-up for first 2–3 months; seasonal weighting to peak months.
- Month 12–18 review: Reprice if performance is clean.
Case study: Two-crew expansion on a C-tier file (Ontario)
Situation. Landscaper adding a second crew: two zero-turns, stand-on, trailer, racks, handheld battery kit—$84,000 all-in. Bank stalled on credit blemishes.
Structure. 48-month FMV with progress-funding (units then racks/decals), 3-month step-up, soft costs bundled.
Outcome. Approved quickly; vendor paid on schedule; after 14 on-time payments we refinanced, cutting the monthly ~8%.
Approval checklist (credit-analyst view)
- Application, IDs, void cheque
- Corporate docs (registration, ownership)
- 6–12 months bank statements + last filed year & YTD interims
- Vendor quotes with SKUs/serials, warranty, installation/decals scope
- Contract list or pipeline proof; insurance binder naming lender as loss payee
Short on paperwork? Send what you have—we’ll stage the rest so underwriting doesn’t stall. For a quick payment preview, try the calculator.
FAQs
Can I include racks, decals, and training in the same lease?
Often yes—soft-cost bundling is common with private lenders.
Do lenders finance refurbished mowers or used trailers?
Often—with photos, condition/warranty notes, and dealer support.
Seasonal payments available?
Yes. Step-up and seasonal/skip schedules are standard for landscaping.
Can I lower the payment later?
Often. After 12–18 clean payments, we can explore refinancing.
If you want a practical comparison of FMV vs. $10 buyout—or help deciding what to bundle now vs. phase later—feel free to contact our credit analysts.
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