Keelhollow Capital Group, a Kissimmee, Florida company that matches small businesses with funding partners, helps landscaping and lawn care companies across Osceola County, which counted 153 landscaping employer establishments in 2023, find and compare funding. This page covers how landscape firms spend and get paid, commercial mower financing, the options that fit, what partners read and a labeled fleet example.
| Landscaping employers, Osceola County, FL | 153 (CBP 2023, NAICS 561730) |
|---|---|
| Under 5 employees | 81.0% |
| Employees | 953 |
| Annual payroll | About $36.5 million |
How Money Moves in a Landscape Company
Residential lawn care is often paid per visit or by card on file. Commercial maintenance contracts (homeowner associations, office parks, retail centers) may be billed monthly and paid on terms. Installation work brings plants, sod, stone and irrigation parts that are bought before the job and billed after it.
Underneath it all is a fleet: zero-turn and stand-on mowers, trimmers and blowers, trucks and trailers. Equipment wears out over time, so replacement can be planned and funded ahead.
Landscaping in Osceola County, FL
Osceola County, FL had 153 landscaping services employer establishments in 2023, employing 953 people with an annual payroll of about $36.5 million (County Business Patterns 2023, NAICS 561730). 81.0% had fewer than five employees. Only 8 had a ZIP 34741 address (ZBP 2023); the rest sit in the county's other ZIPs.
Nonemployer Statistics counted 1,142 nonemployer businesses in the broader NAICS 2022 group 56173 in 2024. That is a separate program, year and code, so it is not added to the employer count.
We do not have month-by-month employment data for this trade in Osceola County, FL, so this page does not describe local seasonal patterns. Your own bank statements are the right evidence for that.
Commercial Mower Financing and Fleet Equipment
Equipment financing is the core product for landscape firms. Commercial mowers, trucks, enclosed or open trailers, skid steers for installation work and spray rigs are all financeable, new or used. Landscaping equipment financing makes most sense when each unit is paid off before it is due for replacement.
Some firms finance a fleet refresh as a package. That can simplify paperwork, but check whether one lien then covers every unit.
Options for Lawn Care Business Loans
| Need | Option | Why |
|---|---|---|
| Zero-turns, trailers, crew trucks | Equipment financing | Secured by each unit |
| Wages while commercial contracts pay monthly | Line of credit | Draw and repay as invoices clear |
| Plants and materials for an install | Working capital | Short gap before the client pays |
| A yard or shop | Term loan | A long-lived space |
Illustration: Replacing Two Mowers Mid-Contract
Illustration only: a lawn care company with four commercial contracts needs two replacement stand-on mowers at $13,500 each. The contracts bring in $16,000 a month, paid 30 days after billing. Paying $27,000 cash would take almost two months of those billings; financing both units over a term shorter than their expected working life keeps the crews running and the payroll covered.
What Partners Read for Landscaping Businesses
- Bank statements showing the mix of residential and contract income
- A list of current maintenance contracts and their billing terms
- Fleet list: what is owned, what is financed, and its condition
- Quotes for new or used equipment, and time in business
Install Jobs and Maintenance Routes
Maintenance routes bring regular, modest payments. Installation jobs (new beds, sod, irrigation, hardscape) bring larger invoices with materials bought up front, closer to a small construction job. In a firm that does both, the install side may drive the cash squeeze. Treat installs like construction work: estimate the materials and labor out before payment, and fund that gap rather than the whole contract.
Questions to Ask About a Fleet Package
- Does one agreement cover several units, and can a single unit be paid off early?
- Is there a blanket lien on all equipment or only on the units financed?
- What happens to the payment if a unit is stolen or written off?
- Is insurance required on the financed units, and who must be named on it?
These answers decide how hard a package is to unwind.
Related Trades
Landscape firms that do hardscape and site work have a lot in common with construction contractors. For county context see the Kissimmee, FL page, and the full list is on the industries page.
