Landscaping businesses live by the seasons, and each season calls for a different kind of financing. Equipment is the biggest expense, so a term loan can fund a major purchase or crew expansion, with the cost spread over monthly payments for a set period. When winter slows work from December to February, a business line of credit lets you draw funds as needed and pay interest only on what you use, covering insurance, fuel, and payroll. Many lenders offer these products, including IOU Financial, Cardiff, and SBG Funding, but the best landscaping business loans are tailored to your business model. The key is matching the product to the job at hand, so your financing adapts to your needs throughout the year.

source: https://working-capital.com/articles/best-landscaping-business-loans-for-seasonal-gaps-and-growth/