Your Winning Partner for Finance

Boost Sales With Our 1-Stop Payment Solution

Mower Finance Does Things Differently

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Gold grunge star
business model

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One application
for everyone
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Easy to implement
and use
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Seriously good
customer service

Customer Range

  • Consumer
  • Commercial
  • Municipal

Credit Range

  • All credits considered
  • Consumer down to No Credit
  • Commercial down to 500

Dollar Range

  • Consumer: $50 to $75K
  • Commercial: $500 and Up

Program Range

  • Loans
  • Leases
  • Installment Finance
  • Credit lines
  • Many Early Payoff Options

Product Range

  • Titled & Non-Titled
  • New & Used
  • Repairs
  • Any Brand/Model
  • Most Durable Goods

We’re here to help dealers be more profitable.

Mower Finance continually seeks out finance partners and innovations with the goal of bringing you competitive rates for the full credit spectrum with NO MANDATORY DEALER FEES.

  • Rates are competitive with top providers from each credit tier
  • No fees for our standard programs (fee-based programs are optional)
  • No rate buy-downs (unless you want to)
  • No sales minimums
  • No recourse to dealers
  • Optional participation in trade-ins
  • Dealer Perks like being included on our Dealer Map and being sent pre-approved customers that we acquire through our marketing efforts
  • Dealer working capital and inventory finance programs available for your dealership

Join over 3500 merchants in our network

One application for everyone.

Mower Finance eliminates customer application fatigue with a single application.

  • Consumer, Commercial, and Municipal customers of any credit profile all apply through One Link
  • Covers ALL of your product lines, both New & Used, for just about any transaction amount. See product range below.
  • Customers are sorted inside the Terrace Finance (our parent company) application portal and routed to the finance provider most aligned with their needs and profile.
  • If the first provider declines to make an offer, the application is automatically forwarded to the next provider in the “waterfall”.
  • You don’t have to think — just send customers to your unique link.

Product Range

New & used. Big & small. Not sure if we finance something you sell? Just ask us!

Our program is easy to implement and use.

After over $2 billion in applications, we’ve developed a smooth process combining automation and good old-fashioned LIVE customer service.

  • Free set-up help and training
  • Brick-and-mortar and online support materials provided
  • State-of-the-art automated consumer application can be completed on mobile
  • One application link for consumer, commercial, and municipal customers of any credit profile
  • Dealer portal for tracking customer applications
  • We line up the lender, you just provide the invoice for the sale
  • Fast funding to you from the lenders

We’re committed to great customer service.

Mower Finance understands how quickly a sale can be lost if a customer gets frustrated. Here is why the Terrace Finance platform has earned a 4.5 star rating on Google and an A+ 5-star BBB rating:

  • Live customer service based in US
  • Average phone response time of 10 seconds
  • Open for extended hours, 7 days a week, to cover all US time zones
  • 1:1 consultative attention available for you and your customers
  • Even our senior leadership has manned the phones during busy periods

The landscape industry is in our blood.

We call our CEO the “Landscaper with an MBA” because he used to run his own multi-million dollar landscaping business. While our parent company, Terrace Finance, deals in many product verticals from jewelry to pets, the landscape business is part of our company DNA.

  • Our leadership team has over 150 years of combined experience in the landscape business, finance, customer service, and IT
  • Our sales team does in-person check-ins to understand your business
  • Our founders are still with the company

What Other Dealers are Saying

Excellent Customer Service. Friendly and so willing to help! The best around!
Jim Reeves
GSA Equipment
This company has been a big part of our growth in mower sales. Very easy to deal with and they will answer your questions immediately. There are other sources to use, but they seem to be the easiest to process thru the sale. Very friendly office staff.
Keith Williams
Lowery’s True Value
Mower Finance is a great option for customers that need a little extra help with their credit. They are pretty easy to deal with and always seem to come thru on approvals. It is very convenient when customers get pre-approved before coming into the dealership. We are glad to have Mower Finance on our list of lenders!
Dan Karns
Karn’s Performance