Deal type
Startups and newer shops
Many lenders want two years in business. Some firms look at newer shops one at a time. Here is what makes those files stronger.
Sample cases
Startups we would want to read
Sample deals. Not real customer results.
Ex foreman goes solo
Sample deal. Not a real customer or approval. He ran crews for another firm for ten years. Now he is six months in business. He wants a used skid steer. His time on the job is his best strength.
Side business goes full time
Sample deal. Not a real customer or approval. She did weekend lawn care for two years. Now she is leaving her day job. Her personal credit and saved cash matter a lot.
New LLC, signed contracts
Sample deal. Not a real customer or approval. A new firm signed neighborhood mowing jobs before buying mowers. Contracts show where payments will come from.
What helps
Strengths to write down
- Years of hands on work in the trade.
- The owner personal credit history.
- Cash down payment.
- Signed contracts or a booked season.
- A machine that matches the work.
Be real
What to expect
- Each file is judged on its own.
- Down payment is often required.
- Terms may be shorter or cost more.
- Older or very costly machines are harder to fund.
- Some files will be declined.
The starter deal file
Four things that help
No one thing gets a startup approved. But these four make a file easier to read.
1
Experience
Years running crews or working in the trade, even for someone else.
2
Money down
Cash in the deal shows the buyer has skin in the game.
3
Signed work
Care contracts or booked jobs show where payments come from.
4
Right machine
A machine that fits the work. A first track loader, not a fleet.
Truth check. Many firms will not fund a shop under two years old. Some will. Results vary every time.
The short version
Four simple answers
01
What this means for your dealership
- Brand money firms often turn away new shops.
- A second option keeps a young customer at your store.
- Today startup can become a repeat buyer.
02
When to send us a deal
- The owner has real trade time on the job.
- There is money down or signed work.
- The machine fits the jobs they do.
03
What we need to look at it
- Time in business and past work history.
- Down payment the buyer can show.
- Contracts or a list of booked jobs.
04
What happens next
- A broker builds the file around the owner time on the job.
- Firms decide. Terms may be shorter or need more down.
- Some startup files will not be approved.
Ready for a second look on tough deals?
Set up your dealership in the Greeniron partner portal. Our team reviews every new partner before deals flow.
Landscaping Equipment Financing LLC is a financing broker, not a direct lender. All financing subject to lender approval. Examples are illustrative; terms and availability vary.