Financing for mower dealers
Two customers walk into an outdoor power dealership: a homeowner and a crew. They need completely different programs, and selling the wrong one costs the deal.
In short
A homeowner buying a $5,000 zero-turn needs a consumer program. A landscaping crew buying a $14,000 commercial machine needs equipment finance, which prices better because the machine itself is security. One application link covers both, and seasonal payment structures matched to a mowing season are available on the commercial side.
Your counter
Two customers, two routes
Routing the customer correctly is the single biggest lever on your close rate in this category.
| Customer | Machine | Right program | Why |
|---|---|---|---|
| Homeowner | Riding mower, $2,000–$4,500 | No credit needed or lease | Small ticket, instant decision |
| Homeowner | Zero-turn, $3,500–$7,000 | Lease or installment loan | Consumer credit decides |
| Crew, established | Commercial ZT, $9,000–$18,000 | Equipment finance | Machine secures it; prices better |
| Crew, start-up | Mower plus trailer package | Equipment finance | Start-ups considered from ~500 FICO |
| Crew, seasonal cash flow | Any | Equipment finance | Seasonal payment structures available |
| Municipality or school district | Any | Municipal lease-purchase | From $1,500, appropriation contracts |
Why this category
Three things that close deals here
Seasonal payments
Commercial programs can weight payments toward the mowing season. Crews rarely know this exists, and it converts hesitant buyers in February.
Used machines qualify
Trade-ins and used commercial equipment are financed routinely, which turns your used inventory into financeable stock rather than cash-only.
Package the trailer
Mower, trailer, ramps and handheld equipment on one agreement raises the average ticket without a second conversation.
Joining
How onboarding runs
Gather documents
Business and ownership details, banking information, and photographs of your store front and interior.
Submit the enquiry
Expect an email within 12 to 24 hours to schedule a discovery call with the onboarding team.
Discovery call
We work out which programs suit your category, your ticket sizes and your customers’ credit mix.
Agreement and go live
A merchant agreement follows for review and signature, then your link, QR code and staff training.
Questions
Merchant questions
Can my customers finance used machines?
Yes. Used commercial equipment is financed routinely, with age and hours affecting the term rather than ruling it out.
Are seasonal payment structures really available?
Yes, on commercial programs. Payments can be weighted toward the mowing season. It has to be requested at application.
Can a start-up landscaping crew get approved?
Start-ups are considered. Owner credit, industry experience and a down payment carry the file where there is no trading history.
What does it cost my dealership?
No mandatory merchant fees on standard programs and no sales minimums.
Keep reading
Related
Offer financing at your counter
No mandatory merchant fees on standard programs, no sales minimums, and one application link covering every customer who walks in.