Landscaping funding requests from Montrose, Colorado reach funding partners through Canyonmoor Lending Group. Montrose County, CO counted 28 landscaping service employers in 2023, 82.1% with fewer than five employees. This page covers landscape equipment financing, mower and truck loans, lawn care business loans, the cost of buying and owning a landscaping business, and the records partners read.
At a glance
- Landscaping employers, Montrose County, CO
28, 82.1% under five employees (County Business Patterns 2023)
- Landscaping businesses without paid employees
77 (Nonemployer Statistics 2024)
- Landscaping employers, the city's main postal ZIP
16 (ZIP Code Business Patterns 2023)
Landscape Equipment Financing for Landscape Contractors in Montrose County, CO
Landscaping equipment financing in Montrose, CO serves a trade of very small crews. Landscaping services counted 28 employer establishments in Montrose County, CO in 2023, with 91 employees and $5.8 million in annual payroll, about $63,857 per employee (our arithmetic; County Business Patterns 2023). 82.1% had fewer than five employees, and Nonemployer Statistics counted 77 landscaping businesses without paid employees for 2024 (Nonemployer Statistics 2024).
For a crew that size, equipment is the business: a mower, a trailer and a truck make the difference between taking a commercial account and turning it down. Each piece has a serial number and resale value, which is what an equipment funder lends against.
Landscaping Equipment Loan for a Crew's First Truck, Trailer and Mower
Illustration only, invented figures: a $14,500 zero-turn mower, a $7,800 enclosed trailer and a $46,000 used crew truck come to $68,300 (our sum). Financed together over 60 months at an invented annual rate of 10%, the payment is about $1,451 a month (our arithmetic). A crew may also finance each item on its own term, matched to its life.
The equipment page compares leases and loans, and the payment is tested against the crew's weakest month of deposits.
Equipment Financing for Landscaping Firms With Fewer Than Five Employees
A newer crew with a short history can still find equipment financing, because the machine secures the loan. A partner weighs the equipment's resale value against the owner's credit and deposits. A larger down payment, a newer machine or a written commercial contract can strengthen a thin file.
- Dealer quotes with model, year and hours.
- Recent business bank statements.
- Signed maintenance contracts with commercial or HOA clients.
- The owner's credit and the latest tax return.
Lawn Care Business Loans for Wages Between Commercial Invoices
Commercial and HOA clients pay monthly or on invoice, while a crew's wages are due every week. Illustration only, invented figures: 28 maintenance accounts at $480 a month bring in $13,440 (our arithmetic), paid 30 days after billing. A line of credit carries wages and fuel through that wait and is paid down as invoices clear.
Irrigation Gear and Hardscape Tools for Mowing and Installation Crews
Trenchers, compact loaders, plate compactors and irrigation installation tools fit equipment financing the same way mowers do. Illustration only, invented figures: a $9,600 trencher on a 36-month loan adds one more fixed payment, so total equipment payments are listed together on the request. Administrative and support services, the Census sector that holds landscapers, counted 81 employer establishments in Montrose County, CO in 2023 (County Business Patterns 2023).
How Much Does It Cost to Buy a Landscaping Business With Trucks and Contracts?
A small landscaping business is priced on its earnings, its equipment and its contracts. Illustration only, invented figures: a business with $72,000 in owner earnings sells for $165,000, about 2.3 times earnings (our arithmetic). A buyer checks which contracts transfer, the condition and age of the equipment, and whether the clients stay with the business or follow the seller.
The term loan page covers acquisition financing with invented worked figures.
How Much Does It Cost to Own a Landscaping Business Month to Month?
- Equipment payments or lease costs, listed per machine.
- Fuel, repairs, blades and replacement parts.
- Wages, payroll taxes and workers' compensation insurance.
- Liability and vehicle insurance.
- Dump fees, materials and plant stock for installation jobs.
Adding these up gives the monthly floor a crew must clear before profit. A partner reads the same figures from the bank statements and return.
Lease or Buy a Commercial Mower: The Arithmetic for a Small Crew
A lease spreads the cost of a mower over a fixed term and returns it, or offers a buyout, at the end; a loan makes the crew the owner from day one. A crew that runs a mower hard for a few years and replaces it may find a lease simpler, while a crew that keeps machines until they wear out builds value by owning them. Put the lease total, buyout included, beside the loan total over the same years, and ask a tax preparer how each is treated for the business.
Landscaping Business Loans for Tree and Lawn Services Expanding Their Fleet
Tree services add chippers, stump grinders and bucket trucks; lawn services add mowers and trailers as accounts grow. Each machine added is another fixed payment, so expansion goes one account at a time. Residential builders counted 64 employer establishments in Montrose County, CO in 2023 (County Business Patterns 2023), and new homes bring installation work; the contractor page covers that side.
By Canyonmoor Lending Group · Updated