Brookharbor Lenders in Charleston, West Virginia passes funding requests from Kanawha County landscaping crews to funding partners. This page covers mowers, loaders, trucks, contracts, a second crew and county landscaping counts.
At a glance
- Landscaping employers
Landscaping services, Kanawha County, WV: 30 employer establishments (CBP 2023)
- Small landscaping firms
Landscaping employers with fewer than five employees, Kanawha County, WV: 21 (CBP 2023)
- Landscapers without employees
Landscaping services with no paid employees, Kanawha County, WV: 159 (Nonemployer Statistics 2024)
Landscape Equipment Financing for a Kanawha County, WV Crew
A landscaping crew's core equipment is mowers, trimmers and blowers, a truck and trailer, and for larger jobs a skid steer or compact loader. Each piece wears and needs replacing on its own schedule, and each can be financed as equipment secured by the machine.
A partner will look at how long the business has operated, its contract list and its bank statements. The equipment financing page sets out how equipment loans and leases differ.
Landscaping Equipment Loan for a Skid Steer or Compact Loader
A skid steer or compact track loader opens up grading, hardscape and drainage work. It is also one of the larger purchases a crew makes, so the term matters: the loan should run no longer than the machine's useful life in the crew's hands.
Used machines can be financed; bring the hours, serial number and an inspection or dealer report. Attachments such as buckets, augers and grapples can usually go on the same loan.
Renting a loader for a few jobs before buying one is a practical test. If the rental invoices over a year add up to a large share of a monthly payment times twelve, the crew has a record of the work the machine would do, and that record helps a partner read the request.
Equipment Financing for Landscaping: Trucks, Trailers and Spreaders
A truck, an enclosed or open trailer and a spreader are the working platform of a crew. Trucks may be financed through a dealer or as commercial equipment; trailers and spreaders through an equipment loan.
Keep the truck title, registration and insurance in the business name if it is a business asset. A partner may ask for them.
Spreaders and sprayers for fertilizer and weed control can bring licensing questions of their own, depending on what is applied and for whom. Confirm any pesticide applicator requirements with the state before adding that work, since a partner may ask whether the business holds the licenses its services need.
Financing for Zero-Turn Lawn Mowers Before a Mowing Contract Starts
A crew that signs a mowing contract may need an extra mower before the first cut. Financing the mower on the strength of the contract, with the payments starting as the contract pays, matches the cost to the income.
Bring the signed contract or the bid award, with its term and payment schedule. A multi-year contract with a commercial property or association reads differently from a one-season residential list.
Business Loans for a Landscaping Business Adding a Second Crew
Adding a second crew means a second truck and trailer, a second set of mowers and hand equipment, and wages paid before the second crew's first invoices are paid. Equipment financing covers the machines; a line of credit or working capital covers the first weeks of payroll.
A partner will want to see the first crew's results and the contracts that will keep the second one busy. The line of credit page explains draw-and-repay financing.
Landscaping Employers in Kanawha County, WV: 30 Firms, 21 Under Five Staff
County Business Patterns counted 30 landscaping services employers in Kanawha County, WV in 2023, with 88 employees and an annual payroll of about $4 million; 21 of them, or 70.0%, had fewer than five employees.
Nonemployer Statistics, a separate program, counted 159 landscaping businesses with no paid employees in 2024. Owner-operators without employees can still request equipment financing.
An Invented Second-Crew Package: Truck, Trailer and Two Mowers
Illustration only, invented figures: a Kanawha County, WV landscaping company adds a second crew with a pickup truck, a trailer and two commercial zero-turn mowers, $70,500 in total. The company spreads it over five years at an invented annual rate of 9%.
In this invented case the company pays about $1,463.46 a month, about $87,808 across 60 payments, so the financing costs about $17,308 (our arithmetic). The owner would compare that payment with the monthly contract revenue the second crew is expected to bring in.
By Brookharbor Lenders · Updated