Landscaping Business Loans

From diggers to a new van, fund your landscaping business with confidence. Explore business funding through Fundably. Eligibility criteria apply.

Typical Range

£5k – £200k

Average Loan

£35k

for landscaping

Decision Speed

24–48 hrs

for unsecured loans

Eligibility requirements

Minimum 6 months trading history
Registered UK business (sole trader, partnership, or limited company)
Evidence of contracted or repeat commercial work for larger facilities
Personal guarantee typically required from the business owner

Loan types available

Asset Finance

Rate: 5.4% – 13.9% APR
Term: 1 – 7 years
Security: The asset being financed
Best for: Diggers, mowers, turf equipment, and vans without a large upfront cash outlay

Unsecured Business Loan

Rate: 7.9% – 29.9% APR
Term: 1 – 5 years
Security: No security required
Best for: Materials for a large contract, seasonal staffing, or covering costs through the winter quiet period

Secured Business Loan

Rate: 4.9% – 15.9% APR
Term: 1 – 15 years
Security: Commercial property or personal property
Best for: Buying a yard or depot for storing machinery and materials

Representative example

Borrow £35,000 over 36 months at 9.9% APR (fixed). Monthly repayment: ~£1,128. Rates depend on your circumstances and the type of loan.

Common challenges

Demand is weather-dependent and seasonal, with spring and summer typically far busier than winter
Machinery such as diggers and turf equipment is expensive and its theft from yards and sites is a recognised risk in the trade
Materials for larger landscaping contracts are often bought upfront, before the client pays on completion
Winter cash flow can be tight without offsetting grounds maintenance or gritting contracts to smooth income across the year

Bad credit?

Some specialist lenders consider landscaping businesses with imperfect credit. You may need a personal guarantee or higher rate, but options may be available. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender.

Frequently asked questions

Can I get finance for a digger or other landscaping machinery?

Yes, asset finance is the standard route for machinery such as diggers, mowers and turf equipment, since the equipment itself is used as security. This spreads a large upfront cost into manageable monthly payments and avoids tying up working capital that would otherwise be needed for materials and wages. Lendus can compare terms across lenders experienced in financing plant and machinery for the trade.

How do I manage cash flow through the winter when work is quieter?

Many landscaping businesses use a short-term unsecured loan taken out towards the end of a busy summer season to smooth cash flow through the quieter winter months. Businesses with offsetting winter work, such as gritting or grounds maintenance contracts, may need less of a buffer, but seasonal borrowing remains common across the trade. Lendus can help you arrange a facility ahead of the quieter season so you are not caught short mid-winter.

Does equipment theft affect my ability to get finance?

Lenders understand that plant and equipment theft is a recognised risk in landscaping and will generally want to know that appropriate security measures and insurance are in place, particularly for asset finance where the equipment is used as security for the loan. This is a standard part of the application rather than a barrier to borrowing. Fitting tracking devices or secure yard storage can also help when discussing terms with a lender.

Can I borrow to fund materials for a large landscaping contract?

Yes, an unsecured business loan is commonly used to buy materials such as turf, paving and planting for a larger contract, repaid once the client pays on completion or against agreed milestones. Lenders will typically want to see the signed contract alongside your trading history when assessing the application. Lendus can help size the loan to the value of materials needed for the specific job.

Equipment finance for landscaping businesses

Buying a specific machine or vehicle is usually cheaper than a general business loan, because the asset itself is the security. These are the items landscaping businesses most often fund, with the price range we see quoted in the UK.

Equipment	Typical price range	Finance page
Cage Tipper	£58k to £115k	Cage Tipper finance
Brushcutter Fleet	£3k to £40k	Brushcutter Fleet finance
Road-Tow Wood Chipper	£5k to £45k	Road-Tow Wood Chipper finance
Forestry Forwarder	£19k to £250k	Forestry Forwarder finance
Grading Line	£20k to £400k	Grading Line finance
Greenhouse	£15k to £500k	Greenhouse finance
Forestry Harvester	£40k to £250k	Forestry Harvester finance
Vegetable Harvester	£40k to £350k	Vegetable Harvester finance
Irrigation Boom	£15k to £120k	Irrigation Boom finance
Forestry Mulcher	£8k to £120k	Forestry Mulcher finance
Polytunnel	£4k to £90k	Polytunnel finance
Potting Machine	£8k to £250k	Potting Machine finance

Browse all equipment finance pages

Guides and resources

How to Get a Business Loan Business Loan Eligibility Secured vs Unsecured Best Business Loans UK iwoca Review Funding Circle Review

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For UK limited companies with at least 3 months’ trading and monthly revenue.