By Mark J. Kane | Founder & CEO, Sunwise Capital | Forbes Finance Council Member 18+ years in business financing · 86,000+ businesses trust us · Boca Raton, FL Key Takeaways Landscaping companies face a predictable cash flow gap every winter — a working capital loan bridges that gap without touching personal savings or equipment credit lines. Sunwise Capital offers working capital loans from $10,000 to $500,000 with approval decisions in minutes and funding in as little as 4 hours. Seasonal revenue patterns don’t disqualify landscaping companies — Sunwise Capital underwrites based on annualized cash flow, not a single bad month. The best working capital loan for landscaping companies is one with flexible repayment that mirrors your revenue cycle — not a rigid monthly payment that spikes during your slow season. Since 2010, over 86,000 businesses have trusted Sunwise Capital, including contractors in landscaping, construction, and trades. Every landscaping company owner knows the pattern. Spring hits and the phones don’t stop. Summer is full throttle. Then fall cleanup wraps up and the money slows down — but the bills don’t. Payroll keeps running. Equipment loans still come due. And the suppliers you need to gear up for next spring want deposits in January. A working capital loan for landscaping companies exists to solve exactly that problem. The challenge is finding a lender that actually understands seasonal cash flow. Most banks look at your worst month and call it a credit risk. Sunwise Capital looks at your full-year revenue picture and structures a working capital loan that matches how your business actually operates. Here’s what to look for in 2026. Table of Contents Toggle Why Working Capital Loans for Landscaping Companies Are DifferentThe Best Working Capital Loan Options for Landscaping CompaniesShort-Term Working Capital LoanBusiness Line of CreditInvoice FactoringRevenue-Based Loan (Merchant Cash Advance)SBA 7(a) Loan for Larger Working Capital NeedsFind out what your landscaping company qualifies for.How Much Working Capital Does a Landscaping Company Need?What Landscaping Companies Need to QualifyFrequently asked questionsHow fast can a landscaping company get a working capital loan?Does seasonal revenue hurt my chances of getting a working capital loan?What's the difference between a working capital loan and a business line of credit?Can I use a working capital loan to hire seasonal crew?What's the minimum revenue needed to qualify?Is a working capital loan the same as a merchant cash advance?The bottom lineYour landscaping business qualifies for capital. Find out how much.About the Author Why Working Capital Loans for Landscaping Companies Are Different Landscaping is one of the most cash-flow-volatile businesses in the country. Revenue can swing 60–80% between peak and off-season months depending on your region. Traditional underwriting punishes that volatility. The right working capital loan for a landscaping company doesn’t — it accounts for it. Mark J. Kane, Founder & CEO of Sunwise Capital, puts it plainly: “Working capital isn’t a luxury — it’s the oxygen that keeps a business alive. When an owner calls us and needs $50,000 by Friday to make payroll or restock inventory, we don’t make them wait two weeks. We make same-day funding happen.” For landscaping companies specifically, working capital covers the gaps between when work is done and when commercial clients pay. A 30-day net payment term on a $75,000 commercial contract is money you’ve earned but can’t spend. Working capital loans give you access to that cash now. The NFIB’s small business economic trends data consistently ranks access to capital as a top constraint for service-based small businesses — and landscaping contractors report this more acutely than most because of seasonal concentration. The Best Working Capital Loan Options for Landscaping Companies Short-Term Working Capital Loan Best for: Bridging a specific gap — payroll, a supplier deposit, a piece of equipment that broke mid-season. Terms run 3–18 months with fixed daily or weekly repayments. Sunwise Capital funds these in as little as 4 hours for qualified landscaping companies. Business Line of Credit Best for: Landscaping companies with ongoing capital needs throughout the season. Draw what you need, pay it down when receivables clear, draw again. A line of credit gives you flexibility that a term loan doesn’t — especially useful when you’re running multiple commercial contracts with different payment cycles. See how Sunwise Capital structures a business line of credit for seasonal cash flow businesses like yours. Invoice Factoring Best for: Commercial landscaping companies with strong receivables but slow-paying clients. Instead of waiting 30–60 days for a net payment, you sell the invoice at a small discount and get cash immediately. Sunwise Capital can structure invoice-based funding as part of a broader working capital solution. Revenue-Based Loan (Merchant Cash Advance) Best for: Landscaping companies with consistent credit card or ACH revenue during peak season. A merchant cash advance — also called a revenue-based loan — repays as a percentage of daily revenue. Payments drop automatically during slow months, which mirrors the seasonal reality of landscaping cash flow better than a fixed monthly payment. SBA 7(a) Loan for Larger Working Capital Needs Best for: Established landscaping companies needing $250K+ in working capital and willing to wait 4–8 weeks for approval. The SBA 7(a) loan program offers the lowest rates available, but the timeline doesn’t work for most in-season capital needs. Sunwise Capital is the alternative when you can’t wait. Sunwise Capital Find out what your landscaping company qualifies for. No commitment. No impact to your credit score until you accept an offer. See My Funding Options → Soft check only · 2 minutes · No obligation How Much Working Capital Does a Landscaping Company Need? The right amount depends on your revenue base, payroll size, and how long your off-season lasts. A rough formula: multiply your monthly fixed costs (payroll, equipment loans, insurance, fuel) by the number of slow months, then add any spring pre-season expenses (seed, mulch, equipment servicing, crew hiring costs). That’s your working capital target. Revenue Range Typical Working Capital Need Best Product $250K–$500K/yr $25K–$75K Short-term working capital loan $500K–$1.5M/yr $75K–$200K Business line of credit $1.5M–$5M/yr $150K–$500K LOC + revenue-based loan combo $5M+/yr $500K+ SBA 7(a) or Sunwise capital line What Landscaping Companies Need to Qualify Sunwise Capital looks at the full picture — not just a credit score. For working capital loans for landscaping companies, the key factors are: time in business (2+ years strongly preferred), annual revenue (minimum $5K/month over the last 3 months), and credit score (580+ minimum, 680+ for best terms). Seasonal revenue dips don’t automatically disqualify you. Sunwise Capital’s underwriting team accounts for the pattern. The application takes 2 minutes. The decision comes in minutes. Working capital is a core financial health metric — and Sunwise Capital is built to deploy it fast. Mark J. Kane and the team have worked with landscaping companies from one-crew operations to multi-state commercial maintenance firms. The process scales with the business. Sunwise Capital holds a 4.9/5 Trustpilot rating and is a Forbes Finance Council member and NEFA and AACFB member — credentials that matter when you’re choosing a lender for a significant capital decision. Frequently asked questions How fast can a landscaping company get a working capital loan? At Sunwise Capital, approval decisions come in minutes and funding can happen in as little as 4 hours. This is specifically designed for business owners who need capital during active seasons when waiting weeks isn’t an option. Does seasonal revenue hurt my chances of getting a working capital loan? Not at Sunwise Capital. The underwriting team looks at your annualized revenue picture, not a single slow month. Landscaping companies are a known seasonal business — and that seasonal pattern is accounted for in how the loan is structured and priced. What’s the difference between a working capital loan and a business line of credit? A working capital loan gives you a lump sum upfront with fixed repayment over a set term. A business line of credit is revolving — you draw, repay, and draw again. Landscaping companies with ongoing capital needs throughout the season often prefer the flexibility of a line of credit, while those covering a specific gap (a slow winter, a large deposit) do better with a term loan. Can I use a working capital loan to hire seasonal crew? Yes. Working capital loans for landscaping companies can be used for any operational expense — payroll, hiring costs, equipment servicing, materials, insurance deposits. There are no restrictions on how you use the funds as long as it’s for legitimate business purposes. What’s the minimum revenue needed to qualify? Sunwise Capital requires at least $20,000 per month in revenue over the last 3 months. For landscaping companies, this is evaluated on the most recent operating months — seasonal slowdowns that bring you temporarily below that threshold are reviewed in context of the full annual revenue picture. Is a working capital loan the same as a merchant cash advance? Not exactly. A working capital loan is a term loan with fixed payments. A merchant cash advance — also called a revenue-based loan — repays as a percentage of daily revenue. Both are legitimate tools. Revenue-based loans flex with your cash flow, which can be valuable for highly seasonal businesses. Working capital term loans offer predictability and often lower effective rates for the right borrower. The bottom line The best working capital loan for a landscaping company isn’t the one with the lowest rate on paper — it’s the one that matches your cash flow cycle, closes fast enough to be useful, and doesn’t require you to liquidate assets or personally guarantee your home. Those are the factors Sunwise Capital optimizes for. If you run an established landscaping company with 2+ years in business and consistent revenue during your active season, the funding options available to you are significantly better than you might expect. The seasonality that makes banks hesitant is exactly the pattern Sunwise Capital has spent 15 years learning to underwrite. Don’t wait until the slow season is already underway. Capital secured in advance — before the cash flow gap hits — costs less and closes faster than capital sought in desperation. See your funding options in 2 minutes — no commitment, no hard credit pull. What business owners say about Sunwise Capital Trustpilot Find. Fund. Fuel. Your landscaping business qualifies for capital.Find out how much. See your funding options in 2 minutes. No commitment. No impact to your credit until you accept an offer. Since 2010, over 86,000 businesses have trusted Sunwise Capital. See My Funding Options → ⭐ 4.9/5 Trustpilot · Forbes Finance Council Member · NEFA & AACFB Member · Funding in as little as 4 hours About the Author Mark J. Kane is the Founder and CEO of Sunwise Capital, a small business lending company based in Boca Raton, Florida. With more than 30 years of experience in business finance and executive leadership, Mark has helped business owners access the capital they need to grow, adapt, and compete. Before founding Sunwise Capital, Mark held senior leadership roles across capital markets, securities, healthcare, and internet finance. His background includes building high-growth financial platforms, expanding investment banking operations nationwide, training thousands of sales professionals, and scaling ventures from startup stage to multimillion-dollar revenue. Mark holds a B.S. in Psychology from the University of Massachusetts Amherst and a Master’s Degree from the University of Chicago. Through Sunwise Capital, Mark and his team have helped more than 86,000 businesses pursue funding solutions designed to support growth, cash flow, equipment purchases, and long-term success. Ready to apply? See your funding options in minutes at Sunwise Capital.
