Industry Authority Center
Spring comes fast and season prep costs money before the first mow. Banks see seasonal income as unreliable. Equipment depreciates the moment it leaves the lot. MCA sees your peak-season deposit history and funds you when you need it, before season, not after.
Landscaping and lawn care businesses qualify for MCA with 500+ FICO, 6+ months in business, and $4,000 to $6,000+/month in deposits. No mowers, trucks, or equipment required as collateral. Seasonal patterns are understood. Applying while your most recent six months include your peak season shows your strongest deposit volume. Pricing, terms, and funding timing are set by the funding provider after it reviews your file.
Start with the path that matches your situation.
No restrictions, capital goes where your outdoor business needs it most.
The 4 factors underwriters evaluate on every landscaping company application.
Landscaping tip: Apply during or just after your peak season (May, September in most regions) to show your strongest 6-month average. Off-season application with low deposits will produce a smaller advance amount.
Same landscaping company, two completely different underwriting conversations.
Advance amounts are based on average monthly bank deposits, not equipment value or tax returns.
| Avg Monthly Deposits | Min Advance (0.75×) | Typical Advance (1.0×) | Max Advance (1.5×) |
|---|---|---|---|
| $8,000/mo Small residential lawn crew | $6,000 | $8,000 | $12,000 |
| $22,000/mo Mid-size lawn care company | $16,500 | $22,000 | $33,000 |
| $50,000/mo Commercial + residential mix | $37,500 | $50,000 | $75,000 |
| $100,000/mo Commercial landscaping contractor | $75,000 | $100,000 | $150,000 |
| $200,000/mo Large commercial/HOA company | $150,000 | $200,000 | $300,000 |
A landscaping business carries two timing gaps at once, and they are not the same gap. The first happens once a year: mulch, fertilizer and chemical inventory, fuel, blade and belt replacement, and any pre-season hires all get paid for before the season's first invoice lands. The second happens every pay period, all season long: crews are paid weekly or biweekly on a fixed schedule, while a commercial contract, an HOA maintenance agreement, or a municipal account is typically invoiced after the work is done and paid on a net 30 to net 60 cycle.
That second gap is the one competing funding pages rarely mention, and it is the one that keeps recurring after the pre-season buildout is behind you. A crew can be fully booked with signed commercial work, doing good, profitable jobs every day, and the business can still be short of cash, because payroll does not wait for the invoice to clear.
Two items are needed to begin a review: the signed T.A.G. application, and the six most recent consecutive months of complete BUSINESS bank statements. Personal statements do not qualify, and a file built on them cannot move forward.
Send every page of every statement, including the pages that look like boilerplate, and do not redact anything. Six consecutive months matters as much as six months: a gap in the middle, often the month a piece of equipment got serviced or a crew was between contracts, is the most common reason a landscaping file goes back to the applicant.
One point specific to a seasonal business: if your most recent six months land mostly in your off-season trough, that is worth knowing before you apply rather than after. The statements are read as they are.
A driver's licence and a voided business cheque belong to closing, not applying. They are requested after an approval, so there is no need to gather them now.
T.A.G. Business Funding is an independent ISO and intermediary, not a direct lender. Funding is provided by third party funding sources and is subject to their own review and approval.
In practice that means T.A.G. prepares and presents your file, and the funding provider decides. Pricing, factor rate, payment structure, term, and timing are determined by that provider after it reviews your file. Anyone quoting exact terms before a provider has seen your statements is describing an industry average, not your offer.
Reviews weigh deposit consistency and the shape of your revenue, including how it moves across the season, more heavily than a credit score alone, which is why the bank statements carry so much of the decision.
Sometimes the honest answer is to wait. If your most recent months sit at the bottom of your off-season, if there are several negative balance days, or if the business has been operating for only a few months, a review now will reflect that. Waiting until your six-month window includes part of your active season, rather than applying at the annual low point, can produce a materially different outcome.
The way to know which describes your business is to look at your own six months first.
Common questions from lawn care and landscaping business owners about qualifying for MCA.
Yes. Landscaping and lawn care businesses qualify for MCA with 500+ FICO, 6+ months in business, and $4,000 to $6,000+/month in business bank deposits. Underwriters evaluate deposits from residential and commercial contracts, not your equipment value or truck titles.
MCA underwriters use your most recent 6-month deposit average. For landscaping businesses, applying in May, June, or July shows peak season performance. Seasonal patterns are understood, underwriters compare your average to your peak, not to non-seasonal industries.
Landscaping company MCA funding typically ranges from $10,000 to $500,000. A lawn care company averaging $22,000/month in deposits may qualify for $16,500 to $33,000. Commercial landscaping contractors averaging $80,000+/month may qualify for $60,000 to $120,000.
Yes. MCA funds are unrestricted. Landscaping businesses use MCA for zero-turn mowers, commercial mowing decks, trailer upgrades, truck down payments, irrigation equipment, chainsaw and hand tool inventory, crew hiring, and seasonal marketing campaigns.
No. Landscaping MCA does not require mowers, trailers, trucks, or other equipment as collateral. Repayment comes from a daily percentage of your business bank deposits. No equipment liens, no vehicle title pledge.
Yes. Bank declines are common in landscaping because banks view the industry as seasonal and equipment-dependent with poor collateral value. MCA evaluates your deposit pattern, not your bank's seasonal risk model.
Yes. Snow removal businesses that deposit contract payments to a business bank account qualify under the same criteria: 500+ FICO, 6+ months in business, $4,000 to $6,000+/month deposits. Winter revenue concentration is understood in the context of snow removal operations.
The best time is May through August, peak mowing season, when your 6-month average deposit volume is highest. MCA advance amounts are calculated from your most recent 6 consecutive months of bank statements. Applying after your peak months while deposits are still strong also produces a larger offer. Avoid applying December, February when winter lows reduce your qualifying base, you'll receive a smaller advance or a longer decision timeline.
Yes. Commercial contracts, HOA maintenance agreements, municipal contracts, and property management accounts, typically produce higher, more consistent monthly deposit volume than residential routes alone. Commercial landscapers averaging $50,000+/month in deposits regularly qualify for $37,500 to $75,000. T.A.G.'s ISO network includes funders with specific commercial contractor programs.
One-page application. 6 consecutive months of complete business bank statements. Review begins as soon as your file is complete.
500 FICO OK · No equipment collateral · Seasonal businesses welcome
Or call/text: 330-238-3003
T.A.G. Business Funding
500 FICO minimum. Bank declines OK. Revenue matters more than credit score. Review begins as soon as your file is complete.
500 FICO minimum · $4K to $6K+/month revenue · Timing set by the funding provider after review
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