A funding partner weighs the crew's figures and decides whether to make an offer, and on what terms. In Fulton County, GA, 71.4% of landscaping employer establishments had fewer than five employees in 2023 (CBP).
Mowers, sod cutters, compact track loaders, trailers, a crew truck and its upfit are equipment; a second crew's pay and sod, stone or irrigation part orders fit a line of credit or working capital. Buying land or a yard for the business is outside this site.
At a glance
- Landscaping services, Fulton County, GA
196 employer establishments (CBP 2023)
- Landscaping establishments under five employees, Fulton County, GA
140 (71.4%, CBP 2023)
- Landscaping services, ZIP 30097
9 employer establishments (ZBP 2023)
- Landscaping businesses with no paid employees, Fulton County, GA
1,812 (NES 2024)
Sod cutters and crew trucks on landscaping equipment financing in Johns Creek, GA
A sod cutter and a crew truck have little in common except that both are bought once and used for years. That is the case equipment financing handles: the dealer quote names the item, the item is what is financed, and the payments end before the machine does.
Two invented quotes show the range. An $8,400 walk-behind sod cutter at 13.5% over 24 months is $401.33 per month. A $46,500 crew truck at 10.4% over 60 months is $997.16 per month, and its 60 payments total $59,829.60.
The truck carries the crew, its mowers and its materials, so it is a work vehicle for the landscaping business. Freight hauling for other companies is not funded here.
Landscaping equipment financing or a credit line for a second crew in Fulton County, GA
A second crew needs a second set of equipment and a second payroll, and the two costs behave differently. Mowers, trimmers, blowers and a trailer for the new crew are a one-time purchase. The crew's pay starts on the first day, while customers on monthly contracts pay after the work is done.
Say, with invented figures, the new crew's payroll is $6,300 every two weeks and the first contract payments arrive 45 days in. Between the crew's first day and those payments, 3 paydays pass, or 4 if the first one lands in the first three days, so $18,900 to $25,200 of wages goes out first.
A line of credit drawn for that payroll and paid down as contracts pay fits a gap that comes back each time the crew adds customers. A single fixed gap fits working capital.
Sod, stone and irrigation parts: when landscaping equipment financing is the wrong tool in Fulton County, GA
Pallets of sod, loads of stone and boxes of irrigation heads and valves are materials, not equipment. They are used up on a job and billed to the customer, so paying for them over years makes little sense. A credit line or the crew's own cash covers them, and the customer's payment closes the loop.
Invented figures again: $12,800 drawn on a line for a sod and stone order and paid back 35 days later, at 14% a year as simple daily interest, costs $171.84 in interest.
Irrigation is worth one more note. The heads, valves and pipe a crew installs for customers are materials. A trencher or a pipe puller the crew owns is equipment and fits the logic of the first section on this page.
Compact track loaders, new or used, through landscaping equipment financing in Johns Creek, GA
A compact track loader moves soil, stone and mulch on jobs where a crew would otherwise push wheelbarrows. New units cost more and have no hours on them; used units cost less, and a funding partner may look at hours, age and an inspection before setting terms.
On invented numbers, a new $64,000 loader at 9.9% for 60 months runs $1,356.66 a month and $81,399.60 over its term; a used $41,000 loader at 11.9% for 48 months runs $1,077.68 a month and $51,728.64 in total. The used loader costs $29,670.96 less over its schedule here, before any repairs it brings.
Attachments such as a grapple, a tiller or a pallet fork can go on the same quote as the loader, or be financed later on their own.
How many Fulton County, GA landscapers carry payroll, and landscaping equipment financing for truck upfits
| Measure | Fulton County, GA | What it counts |
|---|---|---|
| Employer establishments | 196 | Landscaping businesses with a payroll |
| Paid employees | 1,637 | Workers on those payrolls in the pay period including March 12 |
| Fewer than five employees | 140 (71.4%) | Establishments below five people on staff |
Small crews make up the larger part of that employer count: 71.4% of the 196 establishments had fewer than five people on payroll. Owner-run landscapers without employees are tallied in Nonemployer Statistics instead, which found 1,812 landscaping businesses with no paid employees in Fulton County, GA in 2024.
A truck upfit, meaning racks, a dump insert, toolboxes or a ladder rack added to a crew truck, is equipment that moves with the truck. Invented figures: a $7,900 upfit at 12.5% over 36 months costs $264.28 a month.
Landscapers in Johns Creek, GA are part of those county counts; the industries page sets them next to the other thirteen trades this site writes about.
By Meadowmoor Commercial Capital ยท Updated