What loan options are available for a landscaping business with seasonal revenue?

For businesses with busy summers and quieter winters, a short-term working capital loan is ideal. We underwrite based on your 3-month average deposits (minimum $10K/month) rather than penalizing you for off-season dips. As long as you’ve been open 3+ months and have a 450+ FICO score, you can smooth out cash flow year-round—funding equipment maintenance in January and crew wages in July.