Ridgepoint Credit, a small-business funding service in Owensboro, Kentucky, arranges equipment financing, lines of credit and working capital for landscaping, lawn care and grounds maintenance companies in Daviess County, KY. Funding partners review equipment quotes, deposits, customer contracts and time in business, and make their own decisions on rates and terms.
| Daviess County, KY count of landscaping services employers | 38 payroll locations and 273 jobs in March 2023 (CBP) |
|---|---|
| Share run with four or fewer on payroll | 60.5% of those payroll locations, CBP 2023 |
| Landscaping firms with no payroll (broader code) | 168 (Nonemployer Statistics 2024, separate program) |
The landscaper's cash cycle
Maintenance contracts are often invoiced monthly, and commercial customers may pay 30 days after that. Crew wages go out every week or two. Install jobs, such as patios, plantings and drainage, need materials bought up front. Equipment works hard and wears out: zero-turn mowers, string trimmers, blowers, aerators, trailers and the trucks that pull them.
A landscaping company that adds a crew adds a truck, a trailer, a set of mowers and a payroll before the first new invoice is paid. That ramp is where a funding request usually starts.
Landscaping companies in Daviess County, KY
County Business Patterns counted 38 landscaping services employer establishments in Daviess County, KY in 2023, with 273 employees and $9.8 million in annual payroll; 60.5% had fewer than five employees. ZIP Business Patterns placed 9 of them in ZIP 42301 in 2023, a ZIP area that goes well beyond the city.
Operators who work without payroll are counted elsewhere. Nonemployer Statistics, using a slightly broader landscaping code, counted 168 businesses without paid employees in the county in 2024. That count comes from a separate program and year and is never added to the employer figure.
This page makes no claim about which months are busy locally; the Census figures used here include no seasonal series for the county.
Matching landscaping needs to funding shapes
| Need | Funding shape | Why |
|---|---|---|
| Zero-turn mowers, trimmers, aerators, skid steers | Lawn care equipment financing for zero-turns and trimmers | Payments over the equipment's life |
| Trucks and trailers for a new crew | Landscaping equipment financing | Vehicle and trailer as collateral |
| Crew payroll before monthly invoices are paid | Line of credit | Draw weekly, repay as invoices clear |
| Stone, plants and pipe for a big install | Working capital for a landscaping business | Short schedule for one job |
Lawn care equipment financing for zero-turns and trimmers: new or used
Commercial mowers and attachments are financed like other equipment. New machines from dealers are straightforward; used machines are financed with attention to hours and condition. For trucks, the commercial vehicle calculator estimates payments, total interest and total cost with the down payment included. The equipment financing page explains lease and purchase options.
Bundle a crew's equipment into one request where you can: a truck, a trailer and two mowers is easier to review as a package than as four separate asks.
How to get a business loan for a landscaping business in Daviess County, KY
- List what the money buys and what it costs, with dealer quotes.
- Gather recent bank statements and any maintenance contracts.
- Call (270) 364-2505 or send the online request with your time in business and revenue range.
- Compare offers by total cost and payment schedule before accepting.
A base of recurring maintenance contracts helps a reviewer, because those contracts show up as regular deposits.
Lawn care business loans for growth: an illustrative example
Hypothetical, for arithmetic only. A two-crew company adds a third crew. The illustrative equipment package, a used truck, a trailer and two commercial mowers, costs $58,000, and the new crew's payroll is $3,600 a week. If new customers are invoiced monthly and pay 30 days later, the company carries about eight weeks of the new crew's payroll, roughly $28,800, before the first new payments arrive. Equipment financing for the package and a line of credit for the payroll gap is the usual split. These figures are not offers or typical amounts.
Hardscape and install work
Patios, retaining walls, drainage and planting projects need materials bought before the job and sometimes equipment, such as a mini excavator or skid steer, that maintenance crews never use. Install work is billed on completion or in stages. A working capital request sized to the job, or equipment financing for a machine that will serve many installs, fits better than stretching the maintenance budget.
Working capital for a landscaping business: one crew's month on paper
Hypothetical, for arithmetic only. One maintenance crew costs an illustrative $3,600 a week in wages and about $900 a week in fuel and wear. It services accounts invoiced on the last day of the month, and commercial customers pay 30 days later. Work done in the first week of a month is therefore paid roughly eight weeks after the crew was paid for it.
- Weeks 1 to 4: about $18,000 of wages and running costs go out.
- Month end: the month's invoices go out.
- Weeks 5 to 8: the next month's costs go out while the first invoices are still open.
- Week 9 onward: the first month's payments arrive and the cycle settles.
The peak carried is close to two months of crew cost. None of these figures is an offer or a typical amount.
Landscape payroll in Daviess County, KY, divided out
County Business Patterns 2023 totals work out to about $35,800 of payroll per landscaping job and 7.2 jobs per employer firm. The 168 landscaping businesses without payroll in Nonemployer Statistics 2024 averaged about $32,800 in receipts each. Ridgepoint did that division; the programs stay separate.
Inside the landscaper file a partner reads
- Equipment quotes, with hours for used machines.
- Bank deposits and recurring maintenance contracts.
- Receivables from commercial customers.
- Time in business and existing equipment debt.
This page sits under construction and contractors. See also plumbing and HVAC, the industries hub and the Owensboro, KY data page.
By Ridgepoint Credit · Updated
