Reedgate Lending Group, a small-business funding service in Warren, OH, helps Trumbull County lawn care and landscaping crews compare equipment financing, working capital and lines of credit for mowers, trailers, skid steers and payroll. Partners review the equipment, contracts and statements, and decide on any offer.
At a glance
- Landscape services firms with employees, Trumbull County, OH
72 with payroll; 159 workers counted (CBP 2023, NAICS 561730)
- Landscaping employers under 5 employees
88.9% in the under-five size class (CBP 2023)
- Landscape businesses filing without employees
321 in the 2024 Nonemployer Statistics
Business Loans for Landscaping: What Warren, OH Owners Should Know
Trumbull County, OH had 72 landscaping services employers in 2023, and 88.9% of them had fewer than five employees (CBP, NAICS 561730). The Census separately counted 321 landscaping businesses without paid employees in 2024 (Nonemployer Statistics), a different program that is not added here.
For a small crew, one equipment purchase can be the largest bill of the year, and the timing of that purchase matters as much as its price.
Landscaping Equipment Loan for Owners Around Warren, OH
Zero-turn mowers, stand-on mowers, trailers, skid steers, compact loaders and dump trucks fit equipment financing, with the machine as security. Dealers may offer their own promotional financing; compare its total cost, including any deferred interest if it is not paid off in time, with a partner's offer.
Illustration only, invented figures: a crew buys a compact track loader for $27,000 with $3,000 down and finances $24,000 over 48 months at an invented annual rate of 10 percent, about $609 a month (our arithmetic). If the crew works the machine on 18 billable days a month, that is about $34 per working day (our arithmetic).
Lawn Care Equipment Financing for Crews Around Warren, OH
Lawn care runs on smaller machines replaced more often: mowers, trimmers, blowers, aerators and spreaders. Bundling a season's replacements into one financed purchase can keep the payment predictable, but financing short-life tools over a long term leaves the business paying for equipment it has already replaced.
Lawn Care Financing for Trumbull County, OH Businesses
Commercial maintenance contracts with property managers, HOAs and businesses may pay monthly or on 30-day terms, while crews and fuel are paid weekly. Working capital or a line of credit can carry that gap; a signed contract list helps a partner see the receipts behind the request.
Warren, OH Landscaping Financing Options
| Bill | Funding type | Papers a partner asks for |
|---|---|---|
| Mower, loader or truck | Loan, or a lease with a buyout | Quote or bill of sale, hours, condition |
| Wages before contracts pay | Short-term money: a line or working capital | Contract list and bank statements |
| Plants, stone and materials for an install | Line of credit | The install contract and deposit |
| Buying another crew's route | Term loan | Customer list, contracts, equipment list |
Business Loans for Landscaping Business in Warren, OH
If your work slows in some months, plan payments around it: some partners offer payment schedules that vary by month, and a line of credit can be drawn when work is slower and paid down when it picks up. Ask about either before signing a fixed schedule.
In ZIP 44481, 6 landscaping employers were counted in 2023 (ZBP).
Building a Fleet Replacement Schedule
| Equipment | Price | Years in service | Reserve per year |
|---|---|---|---|
| Zero-turn mower | $13,000 | 4 | $3,250 |
| Enclosed trailer | $6,400 | 8 | $800 |
| Work truck | $48,000 | 8 | $6,000 |
| Trimmers, blowers, edgers | $2,400 | 2 | $1,200 |
Illustration only, invented figures: setting aside the yearly reserve for each item totals $11,250 a year, or about $938 a month (our arithmetic). Comparing that monthly figure with the payments on financed equipment shows whether the fleet plan fits the business's receipts.
Contracts a Partner Can Read
A list of signed maintenance and install contracts is the strongest evidence a landscaping company has. For each, write the customer, the monthly or per-visit price, the term and how the customer pays. Commercial customers on terms belong in the receivables list with their due dates.
Verbal arrangements carry little weight in a review. If a long-standing customer has no written agreement, a simple signed letter of the service and price helps.
Buying Another Crew's Route
A route purchase buys customers, not machines, though equipment may come with it. Partners read the route's customer list, the contracts or service history behind each account, and how many customers stayed when the route changed hands before.
- Get the customer list with each account's price and visit frequency.
- Ask which accounts have written agreements.
- Agree how the seller will introduce you to customers.
- Price any equipment in the deal separately from the customer list.
Trailers and Trucks Titled to the Business
Vehicles and trailers financed for a landscaping company are titled, and a partner will be listed as lienholder until the last payment. Title the equipment to the business entity named on the bank account and returns, so the records match.
Pages for Related Trades
Landscapers who build hardscapes and drainage share bills with builders; see the construction page. All trades are on the industries page, and Census counts for the county sit on the Warren, OH business page.
By Reedgate Lending Group ยท Updated
