Bayrock Business Funding, a small-business funding service in Racine, Wisconsin, explains landscaping equipment financing and small business loans for lawn care crews in Racine County: mowers, skid steers, trucks, trailers and plows, plus lines of credit for payroll and materials. Census counts frame the local trade. Funding partners decide on terms.
At a glance
- Landscaping employer establishments
90 (CBP 2023)
- Fewer than five employees
70 of 90 (CBP 2023)
- Annual payroll
$17.9 million (CBP 2023)
- Landscaping businesses without paid employees
225 (NES 2024)
Landscaping Services in Racine County, WI: The Counts
Landscaping equipment financing serves a trade of small crews. County Business Patterns counted 90 landscaping services establishments in Racine County, WI in 2023, and 70 of them, 77.8%, had fewer than five employees. They employed 317 people with $17.9 million in payroll, about $56,521 per employee (our arithmetic). 13 used a ZIP 53403 address (ZBP 2023).
Nonemployer Statistics, a separate program, counted 225 landscaping businesses without paid employees in the county in 2024, with $9.6 million in receipts, about $42,569 each (our arithmetic).
Financing landscaping equipment: a Racine County, WI overview
Financing landscaping equipment ties each machine to its own agreement, with the machine as collateral. That keeps the business's line of credit free for fuel, payroll and materials. The shape of the request is the same whether the crew has two people or twenty: the quote, the seller, the statements, and how the machine earns its payment.
Commercial lawn mower financing: a Racine County, WI overview
Commercial lawn mower financing covers zero-turn and stand-on mowers, walk-behinds and attachments. Mowers wear with hours, so match the term to the hours the crew expects to put on the machine before replacing it. Illustration only, invented figures: a $13,800 zero-turn mower and a $9,200 enclosed trailer come to $23,000 (our arithmetic); financed together over 48 months at a 10.5% annual rate, that is about $589 a month (our arithmetic). In this invented example, the crew checks the payment against the routes the new mower lets it add.
Landscape equipment financing: questions Racine, WI owners ask
- Can a truck and trailer be financed with the mower? Some partners package them; titled vehicles carry the lien on the title.
- Is a lease better than a loan for mowers? A lease can suit machines the crew replaces on a cycle; a loan suits equipment kept until it wears out.
- Are used machines financeable? Yes, with the hours, age and seller's paperwork.
- Do attachments count? Plows, aerators and blowers can be part of the agreement or separate.
Landscaping equipment loan and Racine, WI businesses
A landscaping equipment loan makes the business the owner from the first day, with a lien until the last payment. That suits skid steers and compact loaders that a crew may run for many years, and trucks that carry both summer and plowing work. Get the quote with the serial number and confirm the dealer or seller can deliver a clean title.
Small business loans for lawn care for Racine County, WI businesses
Small business loans for lawn care cover more than machines. Fuel, payroll, seed, mulch and stone are bought before the client pays, and commercial accounts may pay on terms. A business line of credit carries those costs between billing cycles; working capital fits a single known gap.
Finance landscaping equipment in Racine, WI
- List the equipment, with quotes, hours and seller details.
- Pull business bank statements and the latest tax return.
- Add a list of route or contract customers if commercial work drives revenue.
- Send the request; a funding partner reviews it and names further records.
- Compare offers on total cost, end-of-term options and any insurance requirements.
Hardscape Crews, Material Yards and Racine County, WI Jobs
Crews that install patios, walls and walkways buy stone, pavers and base material in volume and run heavier equipment: compact track loaders, plate compactors, saws and dump trailers. The machines finance as equipment; the material bought for a job is a working capital or line-of-credit cost until the client pays. Keep the job contracts with the request, because a signed contract shows a partner where the money to repay the draw will come from.
Plows and Year-Round Equipment for Racine County, WI Crews
A truck fitted with a plow does double duty, which a partner may see as a stronger case for the truck than for a single-use machine. Keep the plow on the same quote as the truck or list it separately, and say which jobs the truck serves through the year. Whether plowing contracts add revenue is something the crew's own records show; Bayrock does not estimate it.
Buying a Lawn Care Route or Crew in Racine County, WI
Buying an existing landscaping business is buying its customer contracts and its equipment. A term loan can fund the price, and a partner will read the seller's revenue by customer, the contract terms, the equipment list and the tax returns. Business term loans explains acquisition requests.
More for Racine County, WI Field Crews
See equipment financing for loans and leases in general, the Racine, WI business page for county figures, and industries for other trades. Cash advances for crews are covered on the merchant cash advance page.
By Bayrock Business Funding ยท Updated