Landscaping Equipment Financing

Landscaping equipment financing with skip-payment winter structures — commercial mowers, compact iron, and tree care equipment. Representative example: a $90,000 mower fleet runs about $1,7xx/month.*

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The Mower fleet Reality

Eight months of revenue carrying twelve months of payments never made sense. We finance landscaping and tree care equipment with the structure this industry should have had all along: skip-payment winters, full payments when you're mowing.

Built for This Asset

Structures priced by people who know what a mower fleet earns and how it holds value — not a generic credit box.

Landscaping & Tree Care Expertise

Part of our Landscaping & Tree Care vertical: payment structures matched to how this industry's revenue actually arrives.

Backed by $1B

A $1B forward flow agreement with TPG gives Elevex institutional capital strength with entrepreneurial speed.

What We Finance

Commercial zero-turn and stand-on mower fleets
Skid steers, mini excavators, and compact track loaders
Chippers, stump grinders, and bucket trucks
Trucks, trailers, and enclosed rigs
Irrigation and turf renovation equipment
Crew expansion packages — mowers, trailer, truck as one deal

Payment Structures

The differentiation: four ways to own the same equipment, engineered to your cash flow. Compare them side by side on our structures page.

Operating Lease

Off-balance-sheet treatment with end-of-term flexibility — return, renew, or purchase. Often the right answer when technology cycles or accounting outcomes drive the decision.

$1 Buyout Lease

Own the equipment for one dollar at term end. Fixed payments, full Section 179 eligibility, and a clean path to ownership.

Seasonal & Step Payments

Payments that follow your revenue curve — lighter in slow months, heavier in peak season, or stepping up as new equipment ramps to full production.

Usage-Based & As-a-Service

Payments tied to hours, output, or consumption. The category Elevex is defining: pay for what equipment achieves, not what it costs.

How It Works

Three steps from quote to funded.

1 · Apply in Minutes

Application-only to $1,000,000 — no tax returns or financials below that threshold. Have your equipment quote, auction listing, or build spec ready.

2 · Structure Together

A finance professional (not a portal) walks the structure options — term, seasonality, end-of-term — and prices the deal to your cash flow.

3 · Fund in 24–48 Hours

Most transactions fund within 24–48 hours of signed documents. Your vendor gets paid; you get to work.

Common Questions

Can I finance landscaping equipment with bad credit?

A bruised score isn't a dead end — contracts, route density, and equipment economics carry the underwriting. Expect a structure conversation (shorter term, first-and-last up front), not an automatic decline.

How do skip-payment winters actually work?

You choose the skip months up front: full payments April–November, reduced or none December–March, with the annual total sized so the math works. See seasonal structures.

Can I finance a used mower fleet?

Yes — used mower fleet financing is standard business, whether the unit comes from a dealer, an auction, or a private seller. We value working assets on condition and remaining service life, not a blanket age cutoff, and set terms the equipment can actually support.

Does a mower fleet qualify for Section 179?

Most business-use equipment placed in service this tax year qualifies for Section 179 expensing, financed or purchased outright — often meaning the first-year deduction outruns your first-year payments. Run your numbers on our Section 179 calculator and confirm specifics with your tax advisor.

How fast can landscaping equipment financing close?

Application-only decisions to $1,000,000 come back in minutes for qualified credits, and most deals fund within 24–48 hours of signed documents. Apply online with your quote to start.

EDITOR NOTE (remove before launch): *Representative example for illustration only — not an offer of credit. Actual payment depends on credit profile, term, structure, and equipment; all financing subject to approval. Explore <a href="/equipment-financing">equipment financing</a>, <a href="/equipment-leasing">equipment leasing</a>, or estimate tax savings with the <a href="/section-179-calculator">Section 179 calculator</a>.

Ready to finance your mower fleet?

Payments built on outcomes, from the team that knows your industry. Equipment sellers: offer financing at the point of sale with CapVex.

Apply Now Sellers: Register