Typical funding range
$10,000 – $200,000 — that's the band most landscaping in Florida fall into. Deals smaller than $10K are uncommon (the math rarely works for the funder). Deals over $250K typically require stronger profiles or collateral.
What funders look for
- Most funders require 12+ months operating, 6 months minimum
- Monthly revenue floor: $15,000
- Credit scores 550+ workable
- Q4-Q1 off-season revenue drops need explanation — provide 12 months of statements and a 1-page note on residential/commercial mix
What to bring to the application
The faster you can ship these to a funder, the faster you close. Most underwriting decisions for landscaping in Florida happen in 2–4 hours once docs are complete.
- Last 3-6 months of business bank statements
- Voided business check
- Driver's license for the majority owner
- Industry-specific documentation (licensing, certifications) if applicable
The math
A typical landscaping deal in Florida lands at a factor rate between 1.25 and 1.42. On a $50,000 advance at 1.32, you'd repay $66,000 over 9–12 months — about $260–$305/day in ACH. Our factor rate calculator lets you plug in your own numbers.
Frequently asked questions
- Should a Florida landscaper take an MCA or equipment-finance new mowers?
- Equipment financing every time. A $15,000 commercial zero-turn financed over 48 months at 10% APR runs about $381/mo and totals roughly $18,300. The same $15,000 as MCA at 1.30 factor over 9 months is $4,500 in fees (~52% APR-equivalent). Use equipment financing unless you can't qualify or need money in 24 hours.
- How does the Q4/Q1 off-season affect MCA in Florida?
- Most landscapers see 50-80% revenue drops November-March in northern regions. Daily ACH MCAs taken in peak season can become unaffordable in February. Push for reconciliation language with a 30%+ revenue drop trigger before signing.
- Will MCA affect commercial contract bidding for Florida landscapers?
- Yes if bidding municipal or larger commercial work that requires bonding. Surety bond underwriters look at total debt including MCAs. A high-balance daily-ACH MCA can reduce bondable capacity by 20-30%. Talk to your surety agent BEFORE taking MCA if bonding matters.