Stonehollow Lending's landscaping page covers equipment financing and working capital for Kootenai County, ID landscapers and lawn care crews, with worked payments for a mower and a loader.
At a glance
- Landscaping services employers, Kootenai County, ID
122 (CBP 2023)
- Paid employees at those employers
498 (CBP 2023)
- Landscaping businesses without paid employees
256 (NES 2024)
Mowers, Loaders and Crew Wages for Kootenai County, ID Landscapers
Landscapers finance machines more than anything else: mowers, trimmers and edgers, aerators, compact loaders, trailers and trucks. Each has a serial number and a working life, which makes equipment financing the natural fit. Fuel, parts and new crew wages paid before customers settle their invoices fit a credit line or working capital.
Kootenai County, ID had 122 landscaping services employers in 2023 with 498 paid employees and $26.7 million in annual payroll, and 69.7% had fewer than five employees (County Business Patterns 2023, NAICS 561730). In ZIP 83814, the office's ZIP, the count was 20 (ZBP 2023).
Financing Landscaping Equipment in Coeur d'Alene, ID: Kootenai County, ID Crews by Size
| Measure | Value | Source |
|---|---|---|
| Landscaping employers | 122 | CBP 2023 |
| Employers with fewer than five employees | 85 | CBP 2023 |
| Paid employees | 498 | CBP 2023 |
| Landscaping businesses without paid employees | 256 | NES 2024 |
| Receipts of those nonemployer businesses | $11.6 million | NES 2024 |
The employer and nonemployer counts come from separate Census programs and years and are not added together.
Landscape Equipment Financing in Coeur d'Alene, ID: Quotes, Hours and Serial Numbers
For a new machine, the dealer's quote names the model, attachments and price. For a used one, partners ask for the hours, the serial number and the seller's bill of sale, and some want photos or an inspection. A package of several machines on one quote can be financed together, which keeps one payment instead of several.
Landscaping Equipment Loan in Coeur d'Alene, ID: Loan or Lease for a Compact Loader
Illustration only, invented figures: a crew buys a compact track loader with a grading bucket for $54,000, puts $6,000 down and finances $48,000 over 60 months at an assumed annual rate of 9%. The payment is $996.40 a month. A fair-market-value lease would lower the payment and leave a buy-or-return choice at the end; a loan builds ownership. Compare the total of every payment plus any end price.
Aerators, Trenchers and Loader Attachments for Kootenai County, ID Crews
Some crews add aerators, dethatchers, trenchers and auger or pallet-fork attachments so their loaders earn on more than one kind of job. Attachments can join the machine's equipment request or be financed on their own, with the dealer's quote listing each one.
Partners read whether the added contracts are signed, because the attachment is paid for by the work it brings. An attachment bought on hope rather than a contract leaves the payment to come from the rest of the business.
Landscape Trailer and Truck Financing in Coeur d'Alene, ID
Trailers and trucks carry titles, and the partner holds the title or records a lien on it until the balance is paid. A truck and trailer bought together can share one request. Partners read the vehicle's year and mileage, and for a used truck the seller's title. Commercial insurance on the vehicle can be a condition of the offer.
Landscaping Finance in Coeur d'Alene, ID
Contracts paid monthly or at the end of a job leave a gap between wages and payment. A credit line drawn for fuel, parts and payroll and repaid as customers pay matches that pattern. Partners read the customer contracts, the receivables list and the bank statements together.
Records a Kootenai County, ID Landscaper Brings to the Call
Bank statements for at least a full year show how revenue moves between months, which matters more for a grounds business than a single strong month. Bring customer contracts with their terms, the equipment list with ages and hours, and the latest tax return.
If the business mixes residential lawn care with commercial maintenance or hardscape installation, show the revenue from each, because they pay on different schedules.
Lawn Care Business Loans in Coeur d'Alene, ID: Buying an Existing Route
Buying a lawn care business generally means buying its customer contracts, equipment and trucks. A term loan for the purchase is read on the seller's returns and the contract list, including how many customers renewed last year. Equipment in the sale can be financed on its own. The article on financing a lawn mower covers buying a lawn care business in more detail.
Financing for Zero Turn in Coeur d'Alene, ID: A Payment Worked Out
Illustration only, invented figures: a commercial zero-turn mower costs $16,800 and is financed over 48 months at an assumed annual rate of 8.5%. The payment is $414.09 a month and the payments total $19,876. Dealer promotions may advertise a lower rate with conditions; read the full terms of any promotion.
The equipment financing page covers heavy equipment, and the construction page covers site-prep crews. County tables are on the Coeur d'Alene, ID page.
By Stonehollow Lending · Updated
