Boldmont Lending, a small-business funding service in Urbana, Illinois, helps Champaign County, IL landscaping and lawn care businesses request equipment financing for mowers, trailers and trucks, lines of credit for crew wages, and term loans to buy a lawn care business. This page covers each, with Champaign County, IL landscaping counts.
At a glance
- Landscapers with payroll, Champaign County, IL
69 (CBP 2023, NAICS 561730)
- Employees
367 (CBP 2023)
- Landscapers run without a payroll (NES)
247 (Nonemployer Statistics 2024)
Landscaping businesses in Champaign County, IL by the numbers
Champaign County, IL had 69 landscaping services employer establishments in 2023, with 367 employees and about $16.1 million in annual payroll (County Business Patterns 2023); 71.0% had fewer than five employees. Nonemployer Statistics separately counted 247 landscaping businesses without paid employees in the county in 2024, from solo mowing routes to one-truck crews.
Lawn care equipment loan in Urbana, IL
Zero-turn mowers, stand-on mowers, trimmers, blowers, aerators and spreaders wear out on a schedule a landscaper can predict. Financing each machine over its working life keeps payments in line with the revenue it produces. Equipment financing uses the machine as collateral; dealers can quote the price with any attachments.
Lawn care equipment financing: mowers and trailers in Champaign County, IL
- Commercial mowers financed one at a time or as a package with a trailer.
- Enclosed or open trailers, titled and financed like vehicles.
- A truck with a dump bed or plow mount, as equipment.
- Skid steers and compact loaders for hardscape work.
Ask whether a package of several machines can share one agreement, and total the payments for the package.
Can you finance a lawn mower?
Yes. A commercial mower is equipment like any other, and it can be financed through a loan or lease, or through dealer financing at the point of sale. Compare a dealer's promotional terms with a partner's offer by totaling every payment; a promotion with a short window can carry a higher cost if a balance remains when it ends.
Lawn care business loans: what Urbana, IL owners should know
A landscaper's wages come due weekly while commercial accounts pay monthly or on thirty-day terms. A line of credit drawn for payroll and paid down as accounts pay smooths that. Partners read the client list: commercial contracts, homeowner associations and residential routes each carry a different payment rhythm.
Business loan for lawn care in Urbana, IL
Illustration only, invented figures: a crew of four costs $5,600 a week in wages. With $48,000 of monthly commercial billings paid 30 days after invoice, the business carries about four weeks of wages, $22,400 (our arithmetic: 4 x 5,600), before the first month's billings arrive. A line covers that and turns over each month.
How to buy a lawn care business: a Champaign County, IL checklist
- Get the seller's client list with contract terms and billing history.
- Look over every mower and truck, noting age and hours.
- Confirm which commercial contracts can be assigned to a buyer.
- Agree on a price and any seller note.
- Request a term loan for the amount due at closing, with equipment as part of the collateral.
Hardscape and installation jobs around Urbana, IL
Patios, retaining walls and plantings require materials bought before the client pays the balance. A deposit covers part; a line covers the rest until completion. Contractors who share these machines and draw schedules can read the contractor page .
Snow removal equipment for a Champaign County, IL landscaping business
Some landscapers add plowing and salting to their services, which brings a plow mount, a salt spreader and sometimes a second truck. Those are equipment requests like mowers: quote, collateral and a schedule matched to the machine's working life. A partner reads the plowing contracts, since commercial lots on contract present differently from on-call residential driveways.
Going from one crew to two around Urbana, IL
A second crew means a second truck, trailer and mower package, plus a crew leader's wages before the new routes are full. The equipment goes on equipment financing; the wages go on a line or working capital. A partner wants to see where the second crew's work comes from: signed commercial contracts, a waiting list or routes bought from a retiring operator.
Illustration only, invented figures: a second crew's truck, trailer and two mowers financed at $1,900 a month, plus $5,200 a month of wages, means $7,100 a month (our sum: 1,900 + 5,200) that new contracts must cover before the crew pays its own way.
What a partner asks a Champaign County, IL landscaper to show
- A client list with contract values and billing terms.
- Bank statements showing deposits by month.
- Tax returns.
- An equipment list with age, or dealer quotes for new machines.
County figures are on Boldmont's page of Urbana, IL figures , and every trade is on the industries page .
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