A Hendersonville, TN lawn crew can finance a utility trailer, mowers and other crew gear as equipment, through the dealer's own program or an outside equipment lender, with the gear as the collateral. A second truck and crew adds an equipment payment and a few weeks of payroll to plan for, and a credit line can cover fuel, parts and new hires between customer payments. A crew owner can phone (615) 518-0322 or fill in the request form to begin.
Trailers and mowers fit equipment financing, a second truck adds a payment and opening payroll, and a credit line carries fuel, parts and new hires.
How to finance a utility trailer, mowers and crew gear
Trailers, mowers, trimmers and blowers all carry model and serial numbers, which is what lets equipment financing treat the gear as collateral. The crew picks the pieces, gets one written quote and chooses the term.
Illustration only, invented figures: a 16-foot utility trailer at $6,900, two 60-inch zero-turn mowers at $12,400 each and a $2,300 trimmer and blower package make a $34,000 quote. At 10.5% a year, a 36-month term costs $1,105.08 a month and $39,782.88 in all; stretching it to 48 months lowers the payment to $870.51 but raises the total to $41,784.48, or $2,001.60 more.
The crew can match each term to how long it expects to keep the piece: in this example, the trailer frame is expected to outlast the mowers it carries.
Adding a second truck and crew without a cash crunch
A second crew needs a truck, a trailer and its own mowers on its first day, and the people who run them get paid before the new accounts do.
Landscaping in the county is a payroll business as well as an equipment one: for 2023, County Business Patterns recorded 502 paid employees working at the 65 establishments under Landscaping Services (NAICS 561730) in Sumner County, TN.
Illustration only, invented figures: a used crew truck at $41,000, financed over 60 months at 9.75% a year, adds $866.09 a month. The two-person crew costs $3,100 every two weeks, and its first accounts pay 45 days after the work starts, so 3 or 4 paydays, $9,300 to $12,400, fall due before that money arrives.
Putting the truck payment and the opening payroll on one sheet shows what the second crew costs before its own invoices start paying for it.
Dealer financing vs an equipment lender for lawn gear
A mower dealer can offer its own financing, sometimes with a promotional rate tied to one brand. An outside equipment lender can put mixed brands, used gear and a trailer from a different seller on one agreement. Neither choice wins by default; the totals decide.
Illustration only, invented figures: two mowers list at $24,800. The dealer offers 0% for 36 months on the full price, a payment of $688.89 and $24,800.04 in all. Paying cash instead earns a $2,500 discount, so an outside loan of $22,300 at 9.9% over 36 months costs $718.51 a month and $25,866.36 in all.
Here the dealer promotion costs $1,066.32 less in total than the outside loan, so the 0% offer is the lower-cost choice even after giving up the discount. A promotion can also come with conditions, such as a minimum purchase or a set brand, and those belong in the comparison too.
Credit lines for fuel, parts and extra crew hires
Fuel, blades, belts and a new hire's first paychecks come back every week, while customer payments arrive on their own schedule, and that gap is what a line of credit is built for.
Illustration only, invented figures: the crew draws $7,800, made up of $1,900 for fuel, $2,600 for mower parts and $3,300 for a new hire's first two payrolls, and pays it back 42 days later when monthly invoices clear. At 13% a year, those 42 days cost $116.68 in interest.
Keeping mowers and trucks on term financing and the line for running costs leaves the limit open for the next fuel bill. The landscaping page covers sod cutters and irrigation parts, other articles are on the blog, and the request form is one way to start.
By Quillview Loans · Updated
