Financing for Tree Care & Landscaping Professionals
Get the chippers, bucket trucks, stump grinders, and heavy equipment your crew needs — without draining your cash reserves. Fast, flexible financing built for the tree care and landscaping industry.
Tree & Landscape Equipment We Finance
From compact loaders to large-scale chippers — if it helps your crew get the job done, we can finance it.
Why Tree Care Pros Choose Us
Deep Industry Knowledge
We work with tree care and landscaping businesses every day. Our team understands the equipment you’re buying, the seasonal nature of your work, and how to structure deals that make sense for your business.
Same-Day Credit Decisions
When your crew needs equipment on the job, you can’t wait weeks for a bank. We deliver credit decisions the same day — often within hours — so you can get back to work.
Competitive Rates & Terms
We shop your deal across multiple financing sources to find the most competitive rate and structure — so you get the best deal, not just the first offer.
Simple Application-Only Programs
No tax returns. No financial statements. No business plans. For most deals, all we need is a simple one-page application and an equipment quote to get you a credit decision.
We Work with All Credit Profiles
From A-credit to startups and second-chance borrowers — we have financing options across the full spectrum. If you’ve been turned down elsewhere, talk to us first.
A Dedicated Point of Contact
You’ll work with one person from start to finish — not a call center. We know your name, your business, and your equipment. That’s how it should be.
Get Financed in 4 Easy Steps
Get Your Quote
Get a formal equipment quote from your dealer or seller with the equipment details and total cost.
Apply Online
Fill out our simple one-page application — it takes about 5 minutes.
Get Approved
We find the most competitive financing option for your deal and present you with the best terms.
Get Your Equipment
Sign electronically, the dealer gets paid directly, and you take delivery.
Trusted by Tree Care Professionals
“Professional, expeditious, helpful, and competitive rates. We highly recommend Commerce Capital!”
Tree & Landscape Financing FAQ
Yes. We finance both new and used equipment. Many of our tree care clients purchase pre-owned chippers, bucket trucks, and stump grinders. As long as the equipment has remaining useful life and value, we can typically get it financed.
We work across the full credit spectrum — from excellent credit to startups and challenged credit. We can often find a path to approval even if your credit isn’t perfect. Reach out and we’ll give you an honest assessment.
Most credit decisions come back the same day — often within a few hours. Once approved, documents are sent for electronic signature and funding typically happens within 24–48 hours of receiving signed docs.
For most deals, no. We offer application-only programs — just a one-page credit app and your equipment quote. Larger deals or certain credit situations may require additional documentation.
In most cases, yes. Under Section 179, you may be able to deduct the full purchase price of qualifying equipment in the year it’s placed in service — even if you finance it. The 2025 deduction limit is $2,500,000. Use our Section 179 Calculator to estimate your savings, and consult your tax advisor for details specific to your situation.
Yes. We offer startup programs for businesses with less than two years of operating history. Strong personal credit and industry experience help. A down payment of 10–20% may be required. Contact us to discuss your specific situation.
Ready to Finance Your Next Piece of Equipment?
Whether you’re adding a chipper to your fleet or upgrading your bucket truck, Commerce Capital makes financing fast, easy, and affordable.