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Landscapers & garden maintenance · Ireland
Landscaper
business loans.
Upgrade a mower, buy a mini excavator or pay for paving and plants before a project starts. We help Irish landscaping and garden maintenance businesses compare equipment finance and business loans through specialist and non-bank lenders, while keeping seasonal workloads, wages and customer payment dates in view.
Machinery & landscaping equipment
For suitable equipment used across garden maintenance and landscaping projects.
- Eligible commercial mowers, mini excavators, compact loaders and wood chippers
- Suitable new or used machinery through leasing or hire purchase
- Equipment-finance deals from €10,000, typically with a 10% dealer deposit
- Attachments and smaller equipment packages depend on the items and lender
- Send a supplier quote with the machinery details and purchase value
- Plants, turf and paving for customer jobs are materials, not your business equipment
Vans & business vehicles
For carrying tools, materials and your team between sites.
- Leasing or hire purchase may suit eligible new or used vans
- Single vehicles and growing fleet needs can be considered
- Include trailers or specialist vehicle conversions in the quote for review
- Vehicle age, value, supplier and affordability determine the options
- Compare deposit requirements and VAT timing before choosing a product
- An unsecured loan may help with a deposit or private-seller purchase, subject to eligibility
Term loans for projects & growth
For established businesses funding materials or taking on more work.
- Paving, plants, turf, timber, fencing and supplier deposits
- Wages, recruitment, marketing and wider business costs
- At least 12 months trading and one full year's completed accounts
- Latest accounts showing €100,000 or more turnover and a net profit
- No recent missed payments on business bank statements
- The lender assesses affordability and existing commitments
Seasonal cash flow & payment gaps
For the gap between buying materials, completing work and getting paid.
- Flexible repayment options from 9 months trading with steady cash flow
- Around eight or more deposits a month for that flexible repayment option
- Invoice finance may suit eligible business-to-business invoices for completed work
- One-off or ad hoc invoices from €100,000, or a facility for the wider ledger
- Allow for quieter months, weather delays and customer stage payments
- Compare repayments with cash flow across the year, not just the busy season
Business finance only, not personal loans or finance for a homeowner's garden. Unsecured term loans are not registered against property or business assets, but some lenders ask for a personal guarantee. All options depend on lender assessment, equipment suitability and affordability.
Match the finance to the workload
A machine that will serve many projects is different from paving or plants bought for the next job. Compare asset finance for suitable machinery with term and flexible repayment loans for materials and wider business costs. Build in wages, supplier deposits and quieter months when judging affordability.
For qualifying commercial invoices, explore invoice finance. Our groundworks finance, trades finance and garden centre finance pages cover related businesses. If you are just starting out, see new-business finance.
Guides for your industry
16 October 2026
How to Secure Equipment Finance in Ireland: A Guide
Table of Contents How to Secure Equipment Finance in Ireland: Step-by-Step What You'll Need Before You Apply Types of Equipment Finance Available Equipment Finance Application Requirements Documents Lenders Typically Ask
Read guide →
13 November 2026
Van and Commercial Vehicle Finance: Hire Purchase vs Lease vs Loan
Buying a van for your Irish business? Compare hire purchase, leasing and unsecured loans, including 10% deposits, VAT timing, used vans, Northern Ireland dealers and fleet purchases.
Read guide →
20 October 2026
Business Loan With Seasonal Cash Flow: A Practical Guide
How seasonal Irish businesses can borrow well: loan types that suit uneven income, building a cash flow forecast lenders trust, and repayments that match your trading year.
Read guide →
28 October 2026
Funding for Irish Tradespeople: Your Options Explained
Unsecured loans, asset finance, van finance and sole trader lending explained for plumbers, electricians, carpenters and other Irish trades.
Read guide →
Common questions
Can I finance a commercial mower or mini excavator?
Suitable new or used landscaping machinery may qualify for leasing or hire purchase. Send a supplier quote showing the make, model, age and value. The lender checks equipment suitability and business affordability; not every small tool or attachment qualifies.
Can a business loan pay for paving, plants and other materials?
A term loan may help an established landscaping business cover project materials and supplier deposits. These costs are different from asset finance for machinery your business keeps and uses. Term loans require one full year's completed accounts, turnover of €100,000 or more, a net profit and no recent missed payments.
Can you help me buy a van or trailer?
We can look at leasing or hire purchase for an eligible van. Include any trailer or specialist conversion in the supplier quote so the lender can review it rather than assuming it qualifies. An unsecured loan may be an alternative for a deposit or private-seller purchase, subject to eligibility.
What if most of my work comes in spring and summer?
Show the lender how cash flow changes throughout the year, including quieter months, recurring maintenance contracts and weather-related delays. A flexible repayment option may suit some businesses, but repayment terms vary. Do not assume repayments stop during winter or match your season automatically.
Can I fund invoices from commercial maintenance or landscaping jobs?
Invoice finance may suit qualifying business-to-business invoices for completed work. One-off or ad hoc invoices start at €100,000; a wider ledger facility is another option. Customer eligibility and contract terms matter. Do not assume homeowner invoices, retentions, disputed invoices or future work qualify.
Can a new landscaping business apply?
Equipment and vehicle criteria vary, so ask us to review a specific quote. Term loans need at least 12 months trading and one full year's completed accounts, with the turnover and profit criteria. Our new-business finance page explains earlier cash-finance options and pre-trading supports.
What should I send to get started?
Send recent business bank statements, the amount needed and its purpose. Include machinery or vehicle quotes and your latest completed accounts for a term loan. Explain project dates, supplier payments, customer deposits and seasonal changes in income. We will confirm any further lender requirements.
Do you charge a broker fee?
No. We do not charge clients a fee; lenders pay us a commission when funding completes. Lender interest and charges are separate and should be checked before accepting an offer.
Free to you. Lenders pay us a commission when your loan completes. How we get paid