Loan Payment / SBA Calculator for Landscaping

Landscaping businesses typically finance a predictable package of assets: trucks, trailers, mowers, and specialty equipment like skid steers or mini excavators. A standard startup or expansion package runs $75,000–$150,000 for a single crew setup (truck, trailer, commercial mowers, hand tools, and initial operating capital), scaling to $300,000+ for a multi-crew operation adding hardscape equipment. SBA 7(a) loans are the most common vehicle, offering 7–10 year terms at 7–9% interest with 10–20% down payment. The seasonal nature of landscaping income creates a unique financing challenge: lenders want to see that you can make 12 months of loan payments on 8 months of revenue. Many landscaping operators negotiate seasonal payment structures – higher payments during peak months and reduced payments in winter – which some community banks and credit unions will accommodate. Equipment financing can also be structured with 90-day deferred first payments, allowing you to put new equipment to work before the first bill arrives. This calculator is pre-loaded with a typical landscaping equipment package ($100K at 8% for 7 years, yielding approximately $1,560/month) so you can see the debt service obligation and verify that your peak-season revenue covers it comfortably. Always stress-test your payment against your worst month, not your best – because the loan payment does not take the winter off.