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–$6,000+/month in deposits. No mowers, trucks, or equipment required as collateral. Seasonal patterns are understood. Apply during your peak 3 months to show your strongest deposit volume. Funded in 24–48 hours.
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 3-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 |
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–$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 3-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–$33,000. Commercial landscaping contractors averaging $80,000+/month may qualify for $60,000–$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–$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 3-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–$75,000. T.A.G.'s ISO network includes funders with specific commercial contractor programs.
One-page application. 6 consecutive months of bank statements. Decision in 24–48 hours.
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. Most decisions in 24 hours.
500 FICO minimum · $4K–$6K+/month revenue · Funded in 1–3 days
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