Deerbrook Lenders matches each cost to a funding type and passes the request to a funding partner, which decides.
Three invented cases for a landscaping company: a debris loader with three blowers on 48 months of equipment financing, seed stock drawn on a credit line and cleared in five payments, and a pruning tool set compared on a 10-month working capital loan and a 36-month equipment term. Yard buildings and wash bays are property work.
At a glance
- Landscaping services (NAICS 561730), Jackson County, MS
32 employer establishments (CBP 2023)
- Paid employees at those landscaping establishments
285 (CBP 2023)
- Landscaping establishments with fewer than five employees
20 of the 32, or 62.5% (CBP 2023)
- Landscaping services with no paid employees, Jackson County, MS
424 (NES 2024)
A trailer-mounted debris loader for a Pascagoula, MS landscaping company: equipment financing
Here is an invented case: a landscaping company in Pascagoula, MS that clears leaves and branch debris from commercial grounds prices a trailer-mounted debris loader at $11,480 and 3 backpack blowers at $640 each, an invented $13,400 package.
With equipment financing at 12.45% a year for 48 months, the invented package runs $355.84 a month. Four years of those invented payments total $17,080.32, of which $3,680.32 is interest.
A debris loader carries a serial number, which is why a funding partner may hold the machine itself as collateral. A partner may ask for the dealer quote, the serial number and recent bank statements, and it decides on any offer and term.
The loader rides on a trailer the company already owns, so the request names the loader and blowers only. For a crew that loads debris by hand today, the monthly payment is the figure to set against the labor hours the loader saves on each job.
Grass seed and straw blankets for lawn repair: a credit line for Jackson County, MS landscapers
Crews that repair worn or storm-damaged lawns go through seed by the bag: grass seed, starter mixes and straw erosion blankets. In an invented spring order, a Jackson County, MS landscaper buys $4,870 of seed stock from a supplier and draws it on a credit line at 15.05% a year.
Paying $1,000 of principal a month plus interest, the landscaper clears the invented draw in 5 payments, the last one smaller, with $179.97 of interest in all.
| Payment | Interest | Principal | Balance after |
|---|---|---|---|
| 1 | $61.08 | $1,000 | $3,870 |
| 2 | $48.54 | $1,000 | $2,870 |
| 3 | $35.99 | $1,000 | $1,870 |
| 4 | $23.45 | $1,000 | $870 |
| 5 | $10.91 | $870 | $0 |
Seed is used on jobs and billed back to clients, so the draw falls as the bags turn into invoices. A partner sets any limit and may look at bank statements and time in business first.
Pole saws and chainsaws for a Jackson County, MS pruning crew: working capital or equipment financing
In a third invented case the company equips a pruning crew with two pole saws at $1,180 each, two chainsaws at $890 each and a battery and charger set at $1,660, an invented $5,800 tool set.
| Schedule | Annual rate | Monthly payment | Total paid | Interest |
|---|---|---|---|---|
| Working capital, 10 months | 14.75% | $619.93 | $6,199.30 | $399.30 |
| Equipment financing, 36 months | 13.2% | $195.98 | $7,055.28 | $1,255.28 |
In this invented comparison the 36-month schedule cuts the payment by $423.95 a month and costs $855.98 more interest over its life. The working capital loan is done in under a year; the longer schedule keeps the monthly cost small while the tools earn on jobs. A partner may offer either, or neither, for a set this size.
Landscaping services in Jackson County, MS: crew sizes and one-person outfits
County Business Patterns 2023 counted 32 landscaping services establishments with a payroll in Jackson County, MS (NAICS 561730). Together they employed 285 people, close to 9 per establishment, and their 2023 annual payroll was $12.8 million.
Twenty of those 32 landscapers (62.5%) kept a payroll of under five people. For a crew that small, one loader or one tool set is a sizable purchase, which is the scale of the invented cases on this page.
Nonemployer Statistics 2024 lists landscapers with no payroll in a separate count: 424 landscaping services businesses in Jackson County, MS. The county and ZIP 39567 totals for every trade are on the Pascagoula, MS page; nearby trades such as builders and manufacturers share a group on the industries page.
Yard buildings and wash bays: landscaping company costs outside a Pascagoula, MS request
A landscaping company's equipment yard can carry costs that are property work rather than equipment. Equipment sheds, wash bays with drains, new wiring and paving on the yard, and any fuel tank on the lot are building or site work, and a request on this site leaves them out.
Loaders, blowers, pruning tools, seed stock and crew payroll are business costs a request can name; the funding partner reviews each one and decides.
A second article, on robotic mowers and a list of maintenance contracts, takes the same trade through other costs.
By Deerbrook Lenders · Updated
