Rushcrest Commercial Capital in Kankakee, Illinois explains landscaping equipment financing and the credit lines and working capital that sit beside it: mowers, trailers and loaders as equipment, sod, stone, fuel and repairs as repeating costs, with Kankakee County Census figures.
At a glance
- Landscaping services, Kankakee County, IL
Landscaping services, Kankakee County, IL: 39 employer establishments, 89 paid employees (CBP 2023)
- Small landscaping employers, Kankakee County, IL
Landscaping services, Kankakee County, IL: 33 of 39 employers with fewer than five employees (CBP 2023)
- Landscaping without paid employees, Kankakee County, IL
Landscaping businesses without paid employees, Kankakee County, IL: 166 (Nonemployer Statistics 2024)
Kankakee County, IL landscapers in the Census figures
Landscaping services had 39 employer establishments in Kankakee County, IL in 2023, with 89 paid employees and $5.9 million in payroll; 33 of them, 84.6%, had fewer than five employees (County Business Patterns, 2023). Seven had a ZIP 60901 address (ZIP Business Patterns, 2023).
Another 166 landscaping businesses had no paid employees, counted under the closest published code (Nonemployer Statistics, 2024). The county also had 28 building material and garden equipment and supplies dealers with paid staff (County Business Patterns, 2023).
Landscape Equipment Financing and Irrigation Parts: Notes for Kankakee, IL Landscapers
Irrigation work needs a trencher or a vibratory plow, which is equipment, and pipe, heads, valves and controllers, which are materials bought for each install. Finance the machine and use a credit line or the customer's deposit for the parts. A landscaper adding irrigation can show the lender the contracts that justify the machine.
Landscaping Equipment Loan: Sod Cutters and Fuel and Repairs
A sod cutter is a modest equipment purchase; fuel and repairs are operating costs. A landscaping equipment loan covers the cutter with the machine as security. Fuel and repair bills belong on a card, a credit line or working capital, because they recur and cannot secure a loan.
Illustration only, invented figures: a $11,500 sod cutter and trailer at an annual rate of 10.75% over 48 months comes to about $296 a month.
Lawn Care Financing: Zero-Turn Mowers and Crew Payroll
Lawn care financing usually means a mower: a commercial zero-turn, a stand-on, or a walk-behind. Dealers offer financing, and a landscaper can compare it with an outside equipment loan on the same machine. Crew payroll is a separate cost that runs ahead of customer payments and suits working capital or a line.
Illustration only, invented figures: a $14,800 commercial zero-turn mower at an annual rate of 10.75% over 48 months is about $381 a month.
Landscaping Financing Options: Dump Trailers and Sod and Stone Orders
A dump trailer is equipment with a title, and lenders finance it like a vehicle. Sod and stone orders are materials paid for before the job is billed. Options for the materials include a credit line, supplier terms or a customer deposit; the trailer goes on equipment financing.
Financing Landscaping Equipment: What Kankakee, IL Landscapers Should Know
Lenders look at the machine's price and age, the company's time in business, deposits and the owner's credit. A newer company may be asked for a larger down payment. Used equipment needs hours and condition. Keep a list of current equipment loans; a lender will add the new payment to them.
Read how lawn crews finance mowers and trailers.
Buying a landscaping company in Kankakee County, IL
Buying a landscaping company means buying its route list, contracts, trucks, trailers and mowers. A term loan covers the purchase price; the buyer reads the seller's tax returns, the contract list with renewal dates and the equipment list with hours. Equipment near the end of its life is a cost to price before agreeing on the deal.
See business term loans.
Commercial contracts, deposits and the first weeks of a Kankakee, IL season
A landscaper with commercial maintenance contracts, such as offices, retail centers or homeowner associations, has income it can show a lender, even if the first payment arrives weeks after the work starts. Residential installs often bring a deposit up front, which can pay for sod, stone and plants. Mixing the two shapes how much working capital the company actually needs.
List the contracts, their monthly amounts and when each customer pays. Then set that against payroll, fuel and repairs for the same weeks. The difference is the size of the request, and it is usually smaller than a guess made without the list. Mowers, trailers and loaders are covered on equipment financing.
Kankakee County, IL had 12 janitorial services employers with paid staff in 2023 (County Business Patterns, 2023), another trade built on recurring commercial contracts and crews paid before the customer.
Snow removal and off-season work for Kankakee, IL landscapers
Landscapers who add snow removal buy plows, spreaders and salt, and the equipment can be financed like a mower. Salt bought ahead of winter is inventory. A lender looking at a company with both services will read the deposits across the whole year, so a month-by-month revenue summary helps.
By Rushcrest Commercial Capital · Updated
