Crews with payroll made up 36 landscaping services establishments in Saline County, AR in 2023 (CBP), a count that leaves out owner-only crews.
How a Benton, AR landscaping crew can finance mowers, loaders, trailers and upfits and carry material costs, with county figures for landscaping services (NAICS 561730).
At a glance
- Landscaping services, Saline County, AR
36 employer establishments, 134 employees (CBP 2023, NAICS 561730)
- Establishments with fewer than five employees
26 of 36, or 72.2% (CBP 2023)
- Landscaping establishments with a ZIP 72015 address
8 (ZBP 2023)
- New housing units authorized, Saline County, AR
477 in 2025 (Census Building Permits Survey)
Commercial lawn mower financing in Benton, AR: stand-on mowers, aerators and enclosed trailers
Commercial mowers are straightforward equipment to finance: each one has a serial number, a dealer price and a used market, so the mower secures its own financing. Stand-on mowers, aerators and the enclosed trailer that carries them can go on one dealer invoice and one request. For a used mower, the hour meter, the deck condition and the service record are what a partner values.
Illustration only, invented figures: a crew adding two stand-on mowers at $14,800 each and an enclosed trailer at $11,600 finances $41,200 for 48 months at an annual rate of 11.5%. The crew sends $1,074.87 each month; across the term it pays $51,593.76, which includes $10,393.76 of interest. A partner sets the actual rate and term.
Lawn care equipment financing for Saline County, AR: tree chippers, stump grinders and truck upfits
Tree and stump work brings heavier machines. A tow-behind chipper and a stump grinder are equipment with their own resale value, and a partner reads their age and hours the same way it reads a mower's.
A truck upfit is the work done to a pickup so it can carry the crew's gear: a dump insert, a spray rig with its tank, ladder and tool racks. When the upfitter invoices it separately, the upfit can be financed as equipment along with, or apart from, the pickup itself. The pickup is a work vehicle for the landscaping business, and this site does not fund trucking companies.
How Saline County, AR landscapers pay for zero-turns, skid steers and trailers
Most landscaping employers in this county are small: 26 of the 36 establishments (72.2%) had fewer than five employees in 2023, and together they paid $5.3 million in annual payroll to 134 employees (CBP, NAICS 561730).
Zero-turns, skid steers and trailers fit equipment financing. Plants, sod, mulch and fuel are bought before the customer pays, which a credit line can carry until the invoice clears, and commercial property contracts that pay on 30-day or longer terms leave a gap that working capital is meant for.
A crew that installs sod and irrigation at new homes can follow the county permit figures: Saline County, AR authorized 477 new privately owned housing units in 2025 (Census Building Permits Survey).
Zero-Turns, Skid Steers and Trailers: what Benton, AR landscapers bring to a lender
Once Flintgate sends a landscaper's request on, the funding partner reviews it. The file can include:
- The dealer quote for each mower, loader, trailer or grinder, with serial numbers and hours for used units
- A list of recurring maintenance contracts, with the monthly amount and end date of each
- Recent business bank statements showing customer deposits
- The notes or leases on equipment the business already runs, with each payment
- Proof of insurance for the equipment, since a partner can require coverage on what it finances
Recurring contracts carry weight because they show income that does not depend on winning new bids each week.
Questions to settle before a Benton, AR landscaper finances zero-turns, skid steers and trailers
- Will the skid steer work enough days to beat renting one by the day? Count the jobs that need it.
- New or used: does a used machine's lower price outweigh its shorter remaining life?
- Does the financing term end before the mower reaches the hours at which the crew would replace it?
- Can the payment be met in a month when fewer jobs are billed?
- Does the trailer, the truck or the upfit belong on the same request?
ZIP 72015 held 8 landscaping services establishments in 2023 (ZBP), a ZIP count rather than a city total; the Benton, AR page shows how the ZIP and county figures relate. Owner-only crews are in a different file: 269 landscaping services businesses in Saline County, AR reported no paid employees to the 2024 Nonemployer Statistics (NAICS 56173).
Call (501) 236-4157 or send the online request with the dealer quote. Builders, repair shops and other trades are on the industries page.
The landscape equipment article weighs a dealer 0% offer against a cash price and values a used skid steer.
By Flintgate Capital Group ยท Updated