Who we work with
Landscaping and outdoor services
Landscaping capacity is set by equipment and vehicles. Turning work away because a second crew has nothing to drive or no mower to run is a common and frustrating position for a business that is otherwise doing well.
Weather and season shape both the work and the cash flow, which is worth accounting for when repayments are structured.
What owners in this industry come to us for
- A second ute, trailer or ride-on so another crew can work
- Excavators, mowers and specialist outdoor equipment
- Covering materials on a large landscaping project
- Getting through a quiet or weather-affected stretch
- Replacing equipment whose downtime is costing jobs
What lenders tend to look at
Equipment and vehicles support most facilities in this industry, so the assets matter as much as the trading figures.
- The equipment or vehicle and how readily it would resell
- The mix of domestic, commercial and council or contract work
- Seasonality and how takings move across the year
- Trading history under the current ABN
- Whether directors own property
- Credit history and existing commitments
A situation we see often
A landscaping business is turning work away for want of a second ute, a trailer and a ride-on mower, and wants to understand equipment finance before committing to any of it.
A specialist would usually compare equipment finance and chattel mortgage structures with the accountant in the loop, because the structure affects the tax treatment. This illustrates a common enquiry rather than a client case study.
Finance that commonly suits
Common questions
Can one facility cover a ute and equipment together?
Sometimes, and sometimes separate facilities suit better. It depends on the assets and the lender, which is part of what the specialist compares.
Our work drops off over winter. Is that a problem?
It is normal for this industry and not a problem in itself, but repayments should be matched to how your money actually arrives across the year. Raise it early.
See which lenders fit your business
Answer a few quick questions and we connect you with a business finance specialist who works with businesses like yours. No cost, no obligation.
Around 60 seconds. No obligation. Not a lender.