Deerbank Capital Group, a small-business funding service in Conway, South Carolina, explains how Horry County landscaping and lawn care businesses get loans: equipment financing for mowers and trailers, credit lines for payroll, buying a route and the records partners read, with county counts and a worked example. Partners review each request and decide.
How to Get a Business Loan for a Landscaping Business? What Partners Look At in Conway, SC
To get a business loan for a landscaping business in Conway, SC, start with the purchase or the gap: a mower and trailer go to equipment financing, crew payroll while clients pay goes to a line of credit, and buying another operator's route goes to a term loan. Partners read the dealer quote, the bank deposits and the owner's credit. Deerbank Capital Group matches your request with funding partners, who review it and make their own decision.
Horry County had 197 landscaping service employers with 1,144 paid employees in 2023, 63.5% of them with fewer than five employees (County Business Patterns). Nonemployer Statistics, a separate program, counted 868 landscaping businesses without payroll in 2024, with $42.7 million in receipts, about $49,243 per business (our arithmetic).
Can You Finance a Lawn Mower? Steps for Conway, SC Owners
- Get a dated dealer quote with the make, model and price.
- Pull several months of business bank statements.
- Check your own credit report.
- Decide on a down payment, if any.
- Compare the dealer's finance program with an outside equipment loan on total cost.
- Send the request with the quote attached or ready.
How to Buy a Landscaping Business? Steps for Conway, SC Owners
Buying a landscaping business is buying its contracts, crews and equipment. A partner reads the contract list, the client concentration (how much revenue the top few clients bring), the equipment ages and the seller's deposits. Contracts that can be canceled at will are worth less than signed annual agreements.
How to Buy a Lawn Care Business? How Horry County, SC Owners Approach It
Buying a lawn care business owned by one operator is read largely through that operator's records and the buyer's. Ask the seller to introduce clients before closing and to stay on for a transition; the price and the financing both depend on how many clients stay.
Can I Get a Loan for Landscaping? The Conway, SC Version
Yes. Landscapers can get loans for equipment, vehicles, payroll and acquisitions, depending on the partner and the records. A newer business may be asked for a larger down payment or a personal guarantee. The landscaping equipment financing page covers the options trade by trade.
Can You Finance Landscaping? A Checklist for Horry County, SC Owners
Financing landscaping can also mean the client's project: a homeowner financing a patio or irrigation system. That is consumer financing and outside Deerbank's options. What a landscaping business can finance is its own equipment, vehicles and working capital.
A Mower and Trailer for a One-Truck Operator: Worked Example
Illustration only, invented figures: a one-truck operator finances a $13,900 zero-turn mower and a $5,200 trailer, $19,100 in total (our arithmetic). At a 10.5% annual rate over 48 months in this invented example, the payment is about $489 a month, with total payments of about $23,473 (our arithmetic).
In this invented example the operator checks the payment against the weakest months of deposits, not the average.
Payroll and Fuel While Commercial Clients Pay on Invoice
Landscaping employers in the county paid $47.4 million in wages in 2023 (County Business Patterns), about $41,453 per paid employee (our arithmetic). Crews and fuel are paid weekly; commercial clients pay on invoice. A credit line drawn for those weeks and repaid from the invoices keeps interest to the days it is used.
Licenses in Each Town the Crew Works
A crew working in Conway, SC, Myrtle Beach, SC and unincorporated county land may need a license in each jurisdiction. Keep them current and in one folder; a partner may ask for the license for the business's home address. The Conway, SC page links the county's license guide.
Dealer Programs Versus an Outside Equipment Loan
Dealers offer manufacturer financing, sometimes with promotional rates on new machines. Compare the dealer program's total payments with an outside loan on the same machine, and check whether the promotion requires a list price or a specific dealer. A used mower from a private seller needs an outside lender, since dealer programs fund the dealer's own sales.
Checklist Before a Landscaping Funding Request
- Dealer quote or bill of sale.
- Bank statements for at least several months.
- Signed maintenance contracts with amounts and end dates.
- Business license and insurance.
- A list of existing equipment payments.
When ready, use the request form.
By Deerbank Capital Group · Updated
