SBA 7(a) LANDSCAPING BUSINESS LOANS
Overcome Your Landscaping Business Challenges with an SBA 7(a) Loan
Running a landscaping business comes with unique financial hurdles, from managing seasonal cash flow fluctuations to investing in equipment and expanding your services. The SBA 7(a) loan program offers flexible, cost-effective financing to help you tackle these challenges head-on and set your business up for long-term success.
Longer Repayment Terms
SBA 7(a) loans offer repayment periods up to 10 years for business needs like working capital or equipment and up to 25 years for real estate. Loans with terms shorter than 15 years allow penalty-free early repayment. For terms over 15 years, prepayment penalties apply in the first three years: 5% in year one, 3% in year two, and 1% in year three. After this period, you can repay in full without penalties, offering financial flexibility.
Competitive Interest Rates
Save on financing with the competitive interest rates of SBA 7(a) loans. Thanks to a government-backed guarantee, we can deliver more affordable rates than typical business lenders.
Lower Down Payments
The government guaranty also enables small business owners to secure financing with lower down payments compared to traditional business loans, typically up to 20% of the total project cost but in some cases as low as 0%.
Flexible Use of Funds
The SBA 7(a) loan program is widely regarded as a top choice for small businesses due to its unmatched flexibility. Unlike many traditional loans that impose strict limitations, 7(a) loans empower businesses to meet a variety of financial needs, making them versatile for nearly any business purpose or stage of growth.
What Can SBA 7(a) Do For Your Landscaping Business?
Our flexible loan solutions empower landscaping businesses to address their most pressing financial needs. Whether you're launching a new venture, expanding your services, or managing daily operations, we provide the support you need to thrive.
Refinance High-Interest Debt
Refinancing high-interest business debt with an SBA 7(a) loan can improve cash flow and reduce overall financing costs. With government-backed funding, you can access better loan terms that support long-term business stability.
Get Working Capital
Having sufficient working capital is essential for maintaining smooth operations and fueling business growth. An SBA 7(a) loan provides the flexibility to cover day-to-day expenses, manage cash flow, and invest in future opportunities.
Purchase an Existing Landscaping Business
Acquiring an established landscaping business with an SBA 7(a) loan allows you to take over a company with an existing client base and revenue stream. With flexible financing options and manageable down payments, you can secure ownership while preserving capital for operations and growth.
Increase Marketing & Advertising
Effective marketing is essential for attracting new clients and expanding your landscaping business. An SBA 7(a) loan provides the funding needed to invest in digital marketing, local advertising, and brand development to help you reach more customers and grow your client base.
Buyout a Partner
Buying out a business partner in your landscaping company with an SBA 7(a) loan allows you to take full control without depleting cash reserves. With flexible repayment terms, you can structure the buyout in a way that supports the long-term stability and growth of your business.
Solutions for Every Stage of Your Landscaping Career
Whether you're just starting your landscaping business, expanding your services, or planning for the future, our SBA 7(a) loans offer the flexibility and capital to support you at any stage.