Key Takeaways
- E-2 landscaping company owners with recurring commercial contracts qualify for Bankable funding
- Equipment, vehicles, and crew expansion are all eligible uses of Bankable funding
- Mexican, Guatemalan, and Brazilian E-2 holders are among the most common landscaping investors
- The March 2026 SBA rule change bars non-citizen owners — Bankable is the structured alternative
- Seasonal revenue patterns are understood and accommodated in Bankable’s underwriting
The landscaping industry in the United States is a $150 billion sector, and E-2 investors from Latin America, Brazil, and other treaty countries have built an enormous presence within it. A landscaping business meets the E-2 substantial investment requirement through equipment purchases (zero-turn mowers, trucks, trailers, irrigation systems), working capital, and employee payroll. The recurring nature of lawn maintenance contracts — weekly or biweekly service to commercial properties, HOAs, and residential accounts — creates exactly the predictable revenue documentation that lenders find most attractive.
The seasonal nature of landscaping revenue in northern markets requires planning for cash flow during winter months. Bankable’s seasonal capital products specifically address this: we understand that a New England landscaping company’s revenue drops 60% from October through March, and we structure working capital accordingly — rather than penalizing you for seasonality as traditional banks do.
Landscaping Business Capital Uses
- Equipment: Zero-turn mowers, stand-on mowers, string trimmers, blowers, and specialty equipment
- Trucks and trailers: Fleet expansion to service additional contracts and routes
- Crew expansion: Working capital to fund additional crews while new contracts ramp up
- Winter capital: Bridging revenue gaps during slow seasons to retain key employees
- Commercial contract acquisition: Underbid a large contract and fund the startup costs
Equipment Financing
Fund mowers, trailers, and specialty tools with asset-backed financing.
Learn More →Seasonal Capital
Bridge winter revenue gaps to retain crews and equipment for spring season.
Learn More →Working Capital Line
Revolving access for payroll and materials as you onboard new commercial contracts.
Learn More →Frequently Asked Questions
Yes. E-2 landscaping owners with documented commercial and residential contract revenue qualify for Bankable funding. No green card required.
We evaluate 12-month trailing revenue with seasonal adjustments, not just peak months. Seasonal capital products specifically address off-season cash flow gaps.
Yes. Mowers, trailers, trucks, and specialty equipment are all eligible for asset-backed financing.
Most Bankable landscaping clients have $400K+ in annual revenue. Companies with strong commercial HOA or property management contracts qualify at lower revenue levels due to contract predictability.
Yes. Working capital to fund crew expansion while new contracts ramp up is a standard Bankable use case.
Yes. Buying an existing landscaping route or company is an eligible use of Bankable growth capital.
Yes. Winter service companies and landscaping/snow removal hybrids qualify, with the combined annual revenue considered.
Bankable requires documented bank deposits for revenue verification. Card and check revenue is preferred. Significant cash revenue may require additional documentation.