Coveglen Loans passes funding requests from Towson, Maryland landscaping and lawn care companies to funding partners. This page covers Baltimore County landscaping counts, mowers, trucks, hardscape tools, crew payroll and an invented mower-and-trailer example.
At a glance
- Landscaping services, Baltimore County, MD
274 employer establishments, 2,299 paid employees (CBP 2023)
- Landscaping payroll, Baltimore County, MD
$114.4 million (CBP 2023)
- Landscaping businesses without payroll, Baltimore County, MD
911 (Nonemployer Statistics 2024)
Landscaping business loans in Towson, MD: stand-on mowers, aerators and enclosed trailers
A landscaping company adding a crew buys a stand-on mower, an aerator and an enclosed trailer, then pays the crew before the first monthly invoices are collected. The equipment fits an equipment loan with the machines as collateral; the crew's wages are working capital or a draw on a credit line.
Landscaping services counted 274 employer establishments in Baltimore County, MD in 2023, with 2,299 paid employees, and 170 had fewer than five employees (County Business Patterns).
Commercial maintenance contracts with property managers or homeowner associations are a steady revenue record, and a funder may ask to see them.
Insurance is part of every landscaping request. A funder financing a mower or a truck asks for proof of liability and equipment coverage, and a commercial property manager hiring the company asks for certificates as well, so keeping both current saves a step.
Commercial lawn mower financing in Towson, MD: irrigation trenchers, pavers and fuel costs
A company moving into irrigation and hardscape adds irrigation trenchers, plate compactors, paver saws and a larger truck. Each is equipment; pavers and stone for a job are materials, paid by the customer's deposit or carried on a line until the job is invoiced. Fuel is an operating cost that rises with every added crew.
A commercial mower dealer may offer its own financing; compare it with an outside equipment loan on total cost, term and any promotional period that ends with a higher rate.
Ask whether the dealer's program requires buying service or parts from the dealer.
Hardscape work also needs a yard for pavers, stone and mulch. A company renting a yard pays for it whether the materials move or not, which adds a fixed cost to weigh before taking on installation work.
Small business loans for lawn care in Towson, MD: hydroseeders, dump trucks and hardscape saws
Hydroseeders, dump trucks and hardscape saws are larger purchases for a lawn care company moving into installation work. A dump truck is titled and may be financed like a vehicle; a hydroseeder and saws are equipment. A small business loan for the whole package can be a term loan if the pieces are bought at once.
A funder reading a growing company's request looks at how much of its revenue already comes from installation, since that work bills differently from weekly maintenance.
Nonemployer Statistics separately counted 911 landscaping businesses without payroll in Baltimore County, MD for 2024.
Lawn care equipment financing in Towson, MD: commercial mowers and crew payroll
Commercial mowers and crew payroll are the two costs that grow with every new account. A credit line lets the company draw for payroll in the weeks before a new account pays and repay when it does, while the mower sits on an equipment loan.
Illustration only, invented figures: a Towson, MD lawn care company finances an invented $31,500 stand-on mower and enclosed trailer over 48 months at an invented annual rate of 10.9%. By our arithmetic, roughly $813 a month, $39,005 over the term and $7,505 in interest.
Set the payment beside what one added maintenance account brings in each month to see how many accounts carry the machine.
Seasonal swings show up in deposits. A company that earns more in spring and fall can ask whether a funder offers payments that rise and fall with the season, and compare the total cost with a level schedule.
Lawn care business loans in Towson, MD: skid steers, sod cutters and crew payroll
Skid steers and sod cutters suit a company doing installs and renovations, and a skid steer with attachments can serve grading, hardscape and snow work alike. Crew payroll for a renovation season is the other half of the cost.
Lawn care business loans for this mix usually pair an equipment loan for the skid steer with a business line of credit or a working capital loan for wages and materials.
A company that also plows may carry different revenue in different months; a funder reads the monthly deposits to see the pattern.
Landscaping services counts for Baltimore County, MD
County Business Patterns counted 274 landscaping services establishments with paid employees in Baltimore County, MD in 2023, with 2,299 paid employees and $114.4 million in annual payroll; 170 had fewer than five employees.
Solo lawn and landscape operators without payroll, 911 of them in 2024, are counted apart in Nonemployer Statistics. Next, read contractor financing and equipment financing.
The employer and nonemployer counts come from two separate Census programs with different years and methods, so they are not added together here.
By Coveglen Loans · Updated
