A Stonehollow Lending article for Kootenai County, ID landscapers on financing mowers, loaders and trailers and on buying a lawn care business, with two labeled payment examples.
Financing a Mower Is an Equipment Question in Coeur d'Alene, ID
A commercial mower has a make, model, serial number and working life, which is exactly what equipment financing is built around. The lender or lessor files a lien on the mower or owns it under a lease until the end of the term. Because the mower secures the balance, a request can rest more on the machine and the business's deposits than an unsecured loan would. A landscaping business with a trading history can finance a single zero-turn, a fleet of mowers or a package with trimmers, blowers and a trailer.
The equipment financing page sets out loans and leases, and the landscaping page covers the trade in full.
Landscaping Crews With and Without Payroll in Kootenai County, ID
Kootenai County, ID had 122 landscaping services employers in 2023 with 498 paid employees and $26.7 million in annual payroll, and 85 of them had fewer than five employees (County Business Patterns 2023, NAICS 561730). The county also counted 256 landscaping businesses without paid employees in 2024, with $11.6 million in receipts (Nonemployer Statistics, NAICS 56173). The two programs count different businesses in different years and are not added together.
Can You Finance a Lawn Mower in Coeur d'Alene, ID? Two Payments Worked Out
Illustration only, invented figures: a $14,500 commercial zero-turn financed over 48 months at an assumed annual rate of 8% costs $353.99 a month; the payments total $16,991. A compact track loader for $62,000, with $7,000 down and $55,000 financed over 60 months at an assumed annual rate of 9%, costs $1,141.71 a month. Together the two machines come to $1,495.70 a month (our arithmetic).
Set those payments against the contracts the machines will work on. A mower that mows twenty accounts a week pays for itself differently from one bought for a single contract.
Can I Get a Loan for Landscaping in Coeur d'Alene, ID? Beyond the Mower
Landscaping funding covers more than machines. Fuel, parts and wages for new crew members are paid before customers settle their invoices, and a line of credit drawn for those costs and repaid as invoices are paid fits that pattern. Trucks and trailers are titled and financed as equipment. A hardscape crew buying pavers and block for a large job has a materials question like any contractor's.
Can You Finance Landscaping in Coeur d'Alene, ID? Loan or Lease
A loan leaves the crew owning the mower from the start. A fair-market-value lease lowers the payment and gives a choice at the end to return, renew or buy. A dollar-buyout lease ends with ownership for a nominal price. Dealer promotions may offer a reduced rate on new machines with conditions attached; read the full terms and compare the total cost with a standard loan.
How to Buy a Lawn Care Business in Coeur d'Alene, ID?
Buying an existing lawn care business means buying its customer accounts, equipment, trucks and sometimes its name. A term loan for the purchase is read on the seller's tax returns, the customer list with each account's revenue and how many renewed last year, and the equipment list with ages and hours. Customer accounts can leave with the seller, so a transition period where the seller introduces the buyer is worth negotiating.
How to Buy a Landscaping Business in Coeur d'Alene, ID?
A landscaping business with installation work as well as maintenance adds signed project contracts and a backlog to the review. The equipment in the sale can be financed on its own, which lets the term loan cover the goodwill and customer accounts. Ask whether supplier accounts and any licenses or certifications transfer.
How Much Does It Cost to Run a Lawn Care Business in Coeur d'Alene, ID?
The costs fall into equipment payments, fuel and maintenance, trucks and insurance, wages and payroll taxes, and supplies. This article does not estimate them, because they vary with the size of the crew and the work. List your own monthly costs against monthly revenue for a full year of bank statements; the gap in the slowest months is the working capital the business needs, and the gap in the busiest months shows how soon a credit line could be repaid.
A Mower Financing Checklist for Kootenai County, ID Crews
- Get the dealer's quote or the seller's bill of sale with the serial number and hours.
- Decide between a loan and a lease.
- Check the total of all payments plus any end-of-term price.
- Line up the contracts the machine will work on.
- Gather a year of bank statements and the latest tax return.
- Then call (208) 314-7609, or open the Stonehollow request form, with the figures in hand.
County tables are on the Coeur d'Alene, ID page.
By Stonehollow Lending · Updated
