When you’re in the landscaping business, financing speed matters. Projects come quickly. Equipment breaks. Opportunities pop up. You don’t usually have time to wait weeks for funds to hit your account.
That’s why same-day capital is necessary. Whether you need to replace a skid steer before your next job, take advantage of bulk discounts for hardscape materials, cover payroll during the slow season, or launch a new marketing campaign, you need funding in hours, not weeks.
Let’s explore what same-day capital means, top funding products, some of the best landscaping business loan providers, and how you can speed up the funding process.
Best Landscaping Business Loan Providers
Many lenders classify landscaping companies as high-risk, automatically tightening their qualifications and conditions, and increasing borrowing costs. You don’t need that hassle. To save time and money, work with top landscaping loan providers.
Although the following lenders are all high-quality and reputable options, they offer different funding products and approaches. The right lender is the one whose services best meet your needs.
Lendio
Lendio is a marketplace for lenders, partnering with over 75 financing companies.2 When you share your financing needs with them, they can perform a soft credit pull to gather offers from providers that match your situation.3
Cardiff
As a top-rated working capital financing company, Cardiff offers many small business owners personalized funding options with speed and flexibility, including equipment loans and leases. Their flexible financing supports landscaping and lawn care businesses with products and repayment terms that match your business model.1
Credibly
Credibly helps businesses grow by offering multiple funding options and reviewing their whole financial health.4 Landscaping companies can explore financing tailored to landscaping or options that prioritize speed.
OnDeck
OnDeck simplifies funding for small businesses by using a single application to apply for financing.5 Then, their lending professionals consult with you about which of their two products best suits your needs.
Definition of “Same-Day Capital”
Many companies use the phrase “same-day funding,” but it doesn’t always mean money in your hands by sunset. To make it happen, you need a lender that offers:
- Streamlined applications with minimal paperwork
- Virtually instant underwriting decisions powered by data and technology
- Electronic agreements and signatures
- Direct integration with your bank or payment processor
- Transparent terms with no surprises or delays
So how do our top landscaping lenders hold up to these standards? Because Lendio connects you with multiple providers, it can’t guarantee same-day funding.2 It depends on which provider you choose to pursue. Credibly advertises funding as fast as 24 hours.4 OnDeck does have the ability to fund loans as fast as the same day, but only for certain loan types and amounts. Funding may take longer in some states.5 Well-qualified applicants can apply for and secure funds as fast as the same day with Cardiff.6
Fast Funding Solutions for Landscaping
Not all financing options provide fast access to flexible capital. But your landscaping company needs a product that aligns with your cash flow. Here are some of the best solutions for same-day funding in the landscaping world:
Merchant Cash Advance (MCA)
MCAs provide fast, lump-sum capital without the barriers of traditional lending. It’s an advance on future income, so you qualify based on your business performance and revenue rather than your credit score.
Merchant cash advances work for landscapers because repayments can automatically adjust with your cash flow. With many MCA programs, you typically pay a percentage of your credit card sales to the lender, so your payments increase when business is good and decrease during the slow season.
For example, Cardiff MCAs offer flexible repayment plans as a fixed percentage of monthly, weekly, or daily income, based on qualification or cash flow needs.7
Business Lines of Credit
A line of credit may be more useful than a lump sum if you need flexibility for repeated expenses. Like a credit card, the provider approves your business for a funding limit. You withdraw funds when you need them and only pay interest on what you use.
Some lenders, like OnDeck and Cardiff, offer instant draw access upon approval and automatically make funds available for use as soon as you pay your balance.4, 8 Credibly and Cardiff also offer business credit lines explicitly designed for landscaping equipment needs so that you can upgrade lawn care equipment on your timeline.9, 10
Whether to act as a cushion in case of emergencies or add to your crew for the season, a business line of credit gives you control of when and how much capital you access.
Equipment Financing
Landscaping relies on equipment, so you can’t wait days to replace your zero-turn mower or add another trailer. Financing for business equipment allows you to quickly purchase or upgrade the necessary vehicles, machinery, and tools. It usually refers to a loan or lease agreement.
Many equipment lenders have sped up their processes in 2025. You can compare offers through Lendio. href=”#capital”>11 Alternatively, you can submit a vendor quote or invoice for your purchase to Cardiff or Credibly and secure same-day approvals and funding.9, 10 With Cardiff, you can even roll soft costs into your loan, reducing your up front spend. Flexible equipment financing keeps your landscaping business running on all four cylinders.
Your Role in Same-Day Financing
To access funds before close of business, you have to apply for a fast funding solution through a top landscaping loan provider with same-day capabilities. And when you’re desperate to speed up the process by even an hour, you can take a few actions to move things along.
Prepare your financial documents, like bank statements and daily revenue records. Cardiff uses real-time data from Plaid, so have your digital information updated and ready to link to apply within minutes.12
Even same-day lenders who rely on intelligent underwriting need time to review, approve, and initiate capital transfers. You might have to wait until the next morning if you submit your application at 4:55 pm. Apply early in the day to access funds in a few hours.
Have a clear idea of how much capital you need and how you’ll use it before applying. Clarity allows the lender to advise about the best financing option, provide relevant numbers, and confidently approve your application.
Growing Your Business on Your Timeline
If you’re in landscaping, you know the value of responsiveness. Your customers expect it. Your crews rely on it. Your business’s success depends on it. So why should your financing be any different?
With modern lenders streamlining approvals and speeding up transfers, financing moves as fast as your lawn care company. You can apply, secure capital, and fund your next project in a single business day. Now you’re growing your business on your timeline.
Sources:
1https://www.lendio.com/
2https://www.lendio.com/partner-dnb
3https://cardiff.co/industries/landscaping/
4https://www.credibly.com/advantages/
5https://www.ondeck.com/faqs/
6https://cardiff.co/
7https://cardiff.co/business-loans/products/merchant-cash-advance/
8https://cardiff.co/business-loans/products/line-of-credit/
9https://www.credibly.com/landscaping-equipment-financing/
10https://cardiff.co/business-loans/products/equipment-leasing/
11https://www.lendio.com/loan-types
12https://cardiff.co/learn/faq/