WORKING CAPITAL
For Landscapers, Equipment Dealers, & Other Businesses
Working Capital for the Landscape Industry
The Mower Finance lender network supports landscapers and dealers with simple and convenient working capital solutions. By bringing together multiple providers, we are able to serve a wide range of credit profiles and needs.
Mower + Capital
Streamline your financing and reduce documentation fees by combining equipment and working capital into one simple finance agreement. Bundle a mower or other equipment with working capital for supplies like seed, weed control, and fertilizer.
Line of Credit
$10K-$200K
A line of credit (LOC) is a flexible loan that gives you access to a set amount of money that you can draw from as needed, rather than receiving one lump sum upfront. Borrow what you need, when you need it. You only pay interest on the amount you use.
Key Features:
- Reusable funds (revolving credit)
- Interest only on what you use
- Flexible borrowing
- Often used for cash flow management, inventory, payroll, repairs, or short-term expenses
Term Loan
Loans from $10K- $350K
A term loan is a traditional loan where you receive a lump sum of money upfront and repay it over a fixed period of time with scheduled payments (usually monthly), including principal and interest. In simple terms: you borrow a set amount for a specific purpose and pay it back in equal installments over an agreed timeframe.
Key Features:
- Lump Sum Funding
You receive the full loan amount upfront. - Fixed Repayment Schedule
Payments are made on a set schedule (typically monthly). - Often Used for Large Purchases
Common for equipment, expansion, renovations, or major investments.
Supply Chain Funding
Credit Lines from $50K- $5MM
Short term line of credit, typically up to 120 days, to acquire inventory managed by a technology-based platform. The trade finance platform links both domestic and international buyers and sellers to facilitate payment.
Key Features:
- Faster access to funds, reducing collection risk
- Reusable funds (revolving credit)
- Platform makes it easy to manage payments to suppliers
Floorplan Financing
Floorplan financing is a type of inventory financing that allows dealers to purchase products (such as equipment, vehicles, or large inventory items) without paying the full cost upfront.
Instead of using their own cash, a lender pays the manufacturer or distributor for the inventory, and the dealer repays the lender as the items are sold.
Key Features
- Pay-As-You-Sell Structure – Dealers repay the lender as units are sold.
- Stock more inventory to handle seasonal demand
- Scalable – Credit lines can grow with the dealership’s inventory needs.
How it Works
Apply
Apply online through our commercial application link and follow the prompts. For help with the application, our team is available to assist.
Get Matched
Upon receiving your application, one of our representatives will contact you to review your needs and provide options.
Get Funded
Once you’ve signed the agreement, the funds will be allocated. You will deal directly with the payment provider for the duration of the term.
What can working capital do for you?
Expand or renovate your small business
Using working capital for expansion or renovation helps grow your business without long-term debt. It allows for quick upgrades, improved services, and better efficiency, driving increased demand and profitability. Renovations can also raise your business’s value, attracting more customers and boosting future growth.
Buy out a partner
Avoid draining your own cash reserves or being forced to sell the business to a 3rd party when your partner wishes to part ways. Opting to buy out your partner with working capital allows you to retain full control of the business without depleting savings. Maintaining smooth operations while consolidating ownership sets your business up for growth and long-term stability.
Meet cash flow needs during seasonal slowdowns
Ensure you can maintain service levels and avoid financial strain during seasonal slowdowns with working capital. Cover essential expenses like payroll, inventory, and utilities allowing the business to stay stable until demand picks up again.
Stock inventory
Investing in inventory using a term loan or floorplan program boosts sales potential by allowing you to offer a wider in-stock selection of equipment without upfront capital strain. Customers appreciate immediate product availability and being able to choose from a wide selection.
Save money by refinancing high-interest debt
Consolidating high-interest debt into one agreement simplifies payments and lowers your monthly expenses. Managing your debt more efficiently allows you to focus on growth and operations instead of juggling multiple loans.
Take advantage of vendor prompt payment discounts
Get Started
We take a consultative approach to solving your financial services needs. Let us know what you’re trying to achieve and we’ll work with you to find the best solution.
John Papadopoulos
Commercial Team Leader
954-636-8571
johnp@terracefinance.com