Maplevale Credit, a small-business funding service in Johnson City, TN, helps landscaping and lawn care companies describe equipment and payroll bills and passes the request to funding partners who decide. This page covers lawn care equipment loans, landscaping financing, getting a business loan, and Washington County, TN landscaping counts from the Census Bureau.
At a glance
- Landscaping firms with paid employees, Washington County, TN
45 (CBP 2023)
- Share under 5 employees
62.2% (CBP 2023)
- Businesses without paid employees (NAICS 56173)
313 (NES 2024)
Landscaping services employers across Washington County, TN
County Business Patterns counted 45 landscaping services employer establishments (NAICS 561730) in Washington County, TN in 2023, with 233 paid employees and an annual payroll of $7.5 million; 62.2% had fewer than five employees.
Nonemployer Statistics counted 313 businesses without paid employees in 2024 at the broader NAICS 2022 code 56173, which may include more than landscaping. That count comes from a separate program and is not compared with the employer count. By our arithmetic, CBP landscapers averaged about 5.2 employees each.
| Industry (NAICS) | Employer establishments (CBP 2023) | Paid employees (CBP 2023) | Share under 5 employees | Annual payroll (CBP 2023) | ZIP 37601 employer count, ZBP 2023 | No-payroll businesses, NES 2024 count |
|---|---|---|---|---|---|---|
| Landscaping services (561730; NES 56173) | 45 | 233 | 62.2% | $7.5 million | 9 | 313 |
Lawn care equipment loan around Johnson City, TN
A lawn care equipment loan pays for zero-turn mowers, string trimmers, blowers, aerators and the trailer that carries them. Illustration only, invented figures: a $16,000 mower at an 11 percent annual rate over 36 months is about $524 a month. Equipment financing ties the agreement to the mower.
Can you finance landscaping? A short answer for Johnson City, TN
Yes, landscaping can be financed, from both sides. Homeowners finance projects through consumer credit, which is outside what Maplevale Credit arranges. Landscaping businesses finance their own equipment, vehicles and payroll, and that is what this page covers.
Lawn care financing: a Johnson City, TN primer
- Mowers, skid steers and trailers: equipment financing.
- Payroll and fuel through months when billing is light: a line of credit.
- A single large commercial contract paid at completion: working capital.
- A second truck and crew: a term loan or equipment financing.
Can I get a loan for landscaping? Practical notes from Johnson City, TN
A loan for landscaping work is reviewed on the business's deposits and contracts. Commercial maintenance contracts with monthly billing show steady revenue; one-off design-build jobs show larger, less regular payments. Bring both kinds of record if you have them.
How to get a business loan for a landscaping business: the view from Washington County, TN
- Separate the business account from personal spending, if it is not already.
- List your equipment with ages and any loans against it.
- Pull twelve months of statements so a partner sees the whole year's pattern.
- Write the bill and the amount: a mower quote, a payroll gap with dates.
- Send the request; the partner that reads it makes the call.
Landscaping equipment financing options near Johnson City, TN
Landscaping equipment financing options include equipment loans, equipment finance agreements and leases, plus dealer programs offered by manufacturers. Dealer programs can carry promotional terms tied to buying that brand; compare the total cost of a dealer offer with an outside offer for the same machine.
Crew payroll and solo landscapers in Washington County, TN
County Business Patterns reported $7,506,000 in 2023 payroll for the 233 paid employees of landscaping firms, about $32,215 per employee by our arithmetic; seasonal and part-time workers are in that count, so it is not a wage. Twenty-eight of the 45 firms had fewer than five employees, and 9 had a ZIP 37601 address (ZIP Code Business Patterns). Nonemployer Statistics counted 313 businesses at the broader code 56173 without payroll in 2024, with $11,037,000 in receipts, about $35,262 each (our arithmetic).
New-home permits as background for Washington County, TN landscapers
The Census Building Permits Survey counted 849 new residential units authorized in Washington County, TN in 2023, 1,155 in 2024 and 697 in 2025. Permits are not completed homes, and whether new houses reach a given crew's schedule is something only that crew's own job list shows. If your book leans on new-build installs, bring that job list with the request.
A light stretch on a Johnson City, TN maintenance book, worked
Illustration only, invented figures: for 3 months a company bills $18,000 a month against $26,000 in wages, fuel and parts. The shortfall is $8,000 a month, $24,000 across the stretch. A line of credit sized to that total, repaid as contract billing rises again, is one shape to compare with a lump of working capital.
A crew's cash cycle, worked
Illustration only, invented figures: a three-crew company bills $42,000 a month in maintenance contracts paid on 30-day terms, and pays $24,000 in wages and $5,000 in fuel and parts each month. When it adds a fourth crew, wages rise to $32,000 a month for two months before the new contracts bill. That two-month gap of about $16,000 is a working capital bill; the fourth crew's mower is an equipment bill.
Landscaping is part of construction services; see the construction page and every industry page.
By Maplevale Credit · Updated
