Ivybank Finance, a small-business funding service in Quincy, Illinois, covers landscaping business loans: mower and trailer financing, buying a landscaping business, working capital for crew payroll and lines of credit. Adams County, IL had 30 landscaping employer establishments in 2023 and 118 without paid employees in 2024 (CBP; NES).
At a glance
- Adams County, IL landscapers with paid crews
30 (CBP 2023)
- Employers below five staff, share
76.7% (CBP 2023)
- Landscapers without paid employees
118 (NES 2024)
Adams County, IL landscaping counts, employer and nonemployer
County Business Patterns counted 30 landscaping services with paid employees in Adams County, IL in 2023, with 78 employees and $2.8 million in annual payroll; 23 of them, 76.7%, had fewer than five employees (CBP 2023, NAICS 561730). 8 were in ZIP Code 62301 (ZBP 2023).
Nonemployer Statistics counted 118 landscaping businesses without paid employees in the county in 2024, with $3.5 million in receipts (NES 2024). The two programs are separate and are not added together.
How to buy a landscaping business for an Adams County, IL business
Buying a landscaping business means buying its contracts, its customer list and its equipment. The equipment is easy to see and value; the customer list is what makes the price. Partners read how many customers are on recurring contracts and how long they have stayed.
- Get the equipment list with ages and hours.
- Get the customer list with annual billing per customer.
- Review three years of tax returns and twelve months of bank statements.
- Agree terms in a letter of intent.
- Use the request with all of the above.
Financing for lawn mowers for Adams County, IL businesses
Commercial mowers, zero-turns and stand-ons are financed against their own value, new or used. A dealer quote with model and hours is the starting point. Mowers wear fast in commercial use, so the term should match the hours you expect to put on them.
The blog note on commercial mower financing works through a fleet purchase.
Small business loans for lawn care: what Quincy, IL owners should know
Small business loans for lawn care cover the same needs as larger landscapers, at a smaller scale: a first commercial mower, a trailer, a truck, or payroll for a first hire. A sole operator with steady deposits can send a request; partners decide which businesses they consider.
Keeping business deposits in a business account, separate from personal money, makes those deposits readable.
Landscaping equipment loan
Landscaping equipment beyond mowers includes skid steers and compact track loaders for hardscape work, aerators, dethatchers, spreaders, sprayers and leaf vacuums. Each fits equipment financing; the larger machines carry more weight with a partner because of their resale value.
See equipment financing for loans against leases.
How to get a business loan for a landscaping business
Getting a business loan for a landscaping business follows the general steps: name the purpose, gather statements and quotes, send the request. What a partner looks for in this trade is recurring revenue: maintenance contracts that pay monthly through the year, alongside one-time installation jobs.
Have a list of contracts with monthly amounts ready. It shows the base the business can count on.
Working capital for landscaping contractors for Adams County, IL businesses
Crews are paid weekly; commercial clients may pay monthly or on 30-day terms. A landscaper adding a crew pays it for weeks before the first invoices for its work are paid.
A line of credit carries that payroll and is paid down as invoices are collected. Illustration only, invented figures: a three-person crew at $17 an hour for 45 hours a week costs 3 x 17 x 45 = $2,295 a week in wages (our arithmetic); five weeks before the first payment is $11,475.
Trailers, trucks and titles for an Adams County, IL landscaper
Trailers and trucks are titled, and partners finance them on their titles. A truck and trailer bought together can be financed in one agreement or separately; separate agreements let you pay one off without affecting the other.
Insurance on financed vehicles and equipment may be required by the partner. Get an insurance quote before signing so the full monthly cost is known.
Snow removal and other added services in Quincy, IL
Some landscapers add snow removal, holiday lighting or tree work to keep crews busy year-round. Each adds equipment: plows and spreaders, lifts, chippers. Financing that equipment is straightforward; the question is whether the added work pays its payment.
Write down the added revenue you expect and the equipment payment before buying. The construction parent page covers other trade equipment.
Pricing a fleet against the contract list in Quincy, IL
Before adding mowers or a second truck, set the equipment payments against the maintenance contracts they will serve. A new crew's equipment should be covered by the contracts it will work, with room for a lost account.
Illustration only, invented figures: a second crew's mower, trailer and truck cost $1,450 a month in payments, and it will serve contracts billing $6,800 a month. After its wages of $3,800 a month and fuel of $600, $950 a month is left (our arithmetic), so losing one $500 contract still leaves the payments covered.
Records a partner reads for a landscaping request in Adams County, IL
- Business bank statements.
- A list of maintenance contracts with monthly amounts.
- Equipment quotes with model and hours.
- Tax returns for larger requests.
The construction page and the plumbing and HVAC page cover related trades; county figures are on the Quincy, IL data page.
By Ivybank Finance · Updated