Elmpark Capital Group places landscaping equipment financing requests from Palm Coast, Florida owners with funding partners, who decide on them. Flagler County, FL counted 66 landscaping employer establishments with 390 paid employees in 2023 (County Business Patterns). This page covers mowers, trailers and trucks, loans and leases, working capital and records.
At a glance
- Landscaping employers, county
66, with 390 paid employees (CBP 2023)
- Landscaping crews under five employees
74.2% (CBP 2023)
- Landscaping businesses without paid employees
306 (Nonemployer Statistics 2024)
Landscape Equipment Financing on a Wear-Out Cycle in Flagler County, FL
A landscaping crew’s equipment wears out on a cycle: mowers, trimmers and blowers every few years, trailers and trucks over longer spans. Financing each purchase with the machine as collateral spreads the cost over its working life. Landscaping services counted 66 employer establishments in Flagler County, FL in 2023, with 390 paid employees and $16.1 million in annual payroll, and 49 of the 66 had fewer than five employees (CBP 2023, NAICS 561730).
In 2023 the 66 county landscaping employers ranked fifth among six-digit industries by establishments (CBP 2023), behind real estate agents, the two restaurant formats and residential remodelers.
Landscaping Equipment Loan or Lease: Mowers, Trailers and Trucks
A loan suits equipment the crew will run until it wears out, such as a trailer or a truck. A lease suits equipment the crew prefers to replace on a schedule, such as front-line mowers. Compare total payments plus any buyout with the cash price, and check whether the lease limits hours.
Lease or finance business equipment works through the choice with numbers.
Lawn Care Equipment Loans for Mowing and Irrigation Crews
Illustration only, invented figures: a mowing crew buys an $18,500 commercial zero-turn mower with $1,850 down and finances the rest over 48 months at an invented annual rate of 9.5%; the payment is about $418 a month (our arithmetic). The same invented crew adds an irrigation trencher and trailer for $52,000 with $5,200 down over 60 months at an invented 10% annual rate, about $994 a month (our arithmetic).
Business Loans for Lawn Care Companies Adding a Route
Adding a route means another crew, another truck and trailer, and another set of mowers before the new accounts pay. Equipment financing covers the machines; working capital or a line covers the first weeks of wages and fuel. Partners read the contracts for the new route and the existing account list.
Working Capital for a Landscaping Business Between Monthly Contract Payments
Commercial and association accounts often pay monthly, while crews are paid weekly and fuel is bought daily. A business line of credit drawn each month and paid down when contract payments arrive matches that rhythm. Working capital fits a one-time gap such as a large new contract.
Landscaping Equipment Financing Companies: Dealers, Banks and Equipment Funders
Equipment dealers offer manufacturer financing programs, banks offer equipment loans to established customers, and equipment finance companies finance new and used gear from many sellers. Elmpark places your request with funding partners, who decide. Compare offers on total dollars paid, not only the payment.
Fuel, Repairs and Truck Payments: The Running Costs Behind a Route
Equipment is only part of the cost of a route. Fuel, blades, belts, repairs and truck payments come due every week, and a crew that finances its machines still needs cash for these. Tracking them per route shows which routes pay their way and how much working capital the business really needs between contract payments.
Irrigation and Hardscape Crews Around Palm Coast, FL
Irrigation installers and hardscape crews buy trenchers, compact loaders, plate compactors and saws, and they buy pipe, pavers and stone for each job. Their pattern resembles a contractor’s more than a mowing crew’s: materials paid before the client pays, then a large final invoice. Equipment financing covers the machines and a line of credit the job materials.
Equipment Hours as a Planning Tool
Logging hours on each mower and machine shows when replacement is due, so the next purchase can be planned and financed before a breakdown forces it. A partner reading a request for a used machine asks for its hours; keeping the same record on your own fleet shows how long equipment lasts in your hands.
New or Used Mowers and Trailers in Palm Coast, FL
Used equipment carries a lower price tag and can be financed; partners ask for the hours, the year and the condition. A shorter term usually matches the shorter remaining life of used gear.
Lawn and Landscape Employer Counts in ZIP 32137 and Flagler County, FL
Twenty landscaping employers used a ZIP 32137 address in 2023 (ZBP 2023). Separately, Nonemployer Statistics listed 306 no-payroll landscaping firms in the county for 2024. Services to buildings and dwellings, the wider group that holds landscaping and janitorial firms, counted 147 employer establishments (CBP 2023, NAICS 5617). Contractor business loans covers the building trades.
Account Lists and Equipment Quotes: The Landscaping File
- Recent bank statements for the business and its last tax return.
- A list of commercial and residential accounts with monthly amounts.
- Equipment quotes, with hours for used machines.
- Vehicle titles for trucks being traded or pledged.
Talk it through at (386) 309-8622, or use the Elmpark request form. The Palm Coast, FL page has local counts.
By Elmpark Capital Group · Updated