Southwick Loans in Statesville, NC helps Iredell County landscaping and lawn care companies request equipment financing, lines of credit and working capital from funding partners. County Business Patterns counted 93 landscaping employers in the county in 2023, and Nonemployer Statistics counted 458 one-person outfits in 2024. This page covers mowers, trailers, crew payroll and uneven months.
| Landscaping employers, Iredell County, NC | 93 (CBP 2023, NAICS 561730) |
|---|---|
| Portion with fewer than five on payroll | 69.9% (CBP 2023) |
| Employees at those companies | 572 (CBP 2023) |
| Landscaping firms without employees | 458 (NES 2024) |
| Employers listed in ZIP 28677 | 18 (ZBP 2023) |
| Average crew size | About 6.2 employees (our arithmetic, CBP 2023) |
A business built on equipment and crews
A landscaping company's capital can be parked in a yard: zero-turn mowers, string trimmers, blowers, a skid steer or compact loader, dump trailers and the pickup trucks that pull them. Labor can be the largest operating cost. The two funding needs follow from that: financing for the fleet, and cash to carry crews until customers pay.
Residential customers often pay per visit or monthly; commercial and HOA contracts may pay on net terms. Installation jobs, such as hardscapes, irrigation or new plantings, carry materials costs up front, much like a small construction job.
Financing for zero-turn lawn mowers and other equipment
Commercial zero-turn mowers are the purchase that defines a lawn care company, and financing for zero-turn lawn mowers is a standard equipment financing request: the mower secures the funding and the payment is spread over its working life. Trailers, trucks, aerators, compact loaders and spray rigs are financed the same way.
Landscaping equipment financing options include a dealer program, an equipment loan from a partner, or a lease. Dealer promotions can look cheap on the monthly figure; compare the total cost and the end-of-term terms before choosing. Lawn care equipment financing for a used machine is possible too, usually with a shorter term.
Before calling, try the equipment trailer financing calculator: enter the price, a down payment, a rate and a term to see the monthly payment and the total cost including the down payment.
Working capital for an Iredell County, NC landscaping business
When crews are hired and trained before the busiest invoices go out, payroll runs ahead of revenue for a stretch. Working capital covers a one-time gap like that; a line of credit suits the version that recurs each year, drawn when hiring starts and repaid as invoices are paid. We have no county data on which months are busiest, so the case rests on your own deposit history.
Matching landscaping needs to structures
| Need | Structure |
|---|---|
| Zero-turn mowers, loaders, trailers, trucks | Equipment financing |
| Crew payroll ahead of invoices | Line of credit |
| Materials for an installation job | Working capital |
| Acquiring a competitor's routes and mowers | Term loan |
An illustrative fleet addition
Invented numbers. A company running two crews adds a third: one commercial mower quoted at $13,500, a used trailer at $3,000 and hand equipment at $2,500, for $19,000 in total. Financing the equipment separates that cost from payroll. The new crew's wages, perhaps $6,000 a month in this example, still have to be carried until its first invoices are paid, and that is the part a line of credit is built for.
Iredell County, NC lawn and landscape firms in Census counts
County Business Patterns counted 93 landscaping services employers in Iredell County in 2023, with 572 employees, about 6.2 per company by our arithmetic, and about $24.1 million in annual payroll. Seven in ten (69.9%) had fewer than five employees. ZIP 28677 held 18 of them.
Nonemployer Statistics counted 458 landscaping businesses without employees in the county in 2024. Being a different program and year, that figure stays apart from the employer count. County totals are on the Statesville, NC data page, and related trades on the contractor page.
What partners review from landscaping companies
- Recent bank statements showing deposits across the year
- Customer contracts, especially commercial or HOA accounts
- Dealer quotes for equipment, with model and hours if used
- Existing equipment payments
- How long you have operated, plus the owner's credit
Business loans for landscaping companies are reviewed largely on deposits and existing equipment debt. No partner publishes thresholds through us. More sectors are on the industry hub.
By Southwick Loans · Updated
