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Industrial and Construction

Tree Care and Landscaping Equipment Financing

Tree services, arborists, landscapers, and utility line clearance crews need specialized equipment to work safely and efficiently. A reliable chipper keeps brush moving, a bucket truck gets climbers off ropes for many jobs, and a compact loader moves logs without tearing up lawns.

This equipment is expensive and seasonal demand can be unpredictable. Financing helps you add capacity before storm season or spring rush. MissionFund compares more than 60 lending sources to help local and regional tree care and landscaping businesses finance the gear they need.

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Programs that fitEFATRAC Lease$1 Buyout Lease

Tree Care and Landscaping Equipment We Help You Finance

  • 01

    Towable Wood Chippers

    Towable chippers turn brush and limbs into chips right at the job. Drum chippers handle high volumes and bulky brush, while disc chippers produce uniform chips and suit smaller limbs. Capacity is measured by the largest diameter the chipper can take, and hydraulic feed systems with auto reversing protect the machine and speed up work. Consider engine size, emissions requirements, noise, and whether you need a winch for large logs. Used chippers are widely available, but check the knives, bearings, and feed system before buying.

  • 02

    Stump Grinders

    Stump grinders grind stumps and roots below grade so crews can replant or finish a site. Walk behind models fit through backyard gates, while towable and self propelled machines tackle bigger stumps quickly. Track mounted grinders handle slopes and soft ground. Compare cutter wheel size, horsepower, and teeth configuration. Tree services often add a grinder to offer full removal, and landscapers use them to prep new installations.

  • 03

    Bucket Trucks

    Bucket trucks lift workers to trim and remove trees safely. Forestry bucket trucks include a chip box behind the cab so crews can chip and haul in one trip. Look at working height, side reach, boom insulation for work near power lines, and the truck chassis. Tree services and line clearance contractors serving local and regional routes often buy used bucket trucks from utilities, but dielectric testing and inspection records are important. Bucket trucks are titled vehicles, so some lenders offer structures built for trucks.

  • 04

    Compact Loaders

    Compact loaders, including mini skid steers and compact track loaders, move logs, brush, and material without heavy ground damage. Stand on mini skid steers fit through narrow gates and move easily across residential lawns. Grapple attachments speed up log handling, and stump bucket or tiller attachments add versatility. Consider lift capacity, track versus wheel design, and attachment compatibility. Landscapers use these same machines for grading, installing pavers, and moving soil.

Why Finance Tree Care Equipment Instead of Paying Cash

Tree care is often seasonal and storm driven. Financing helps you keep cash for payroll, fuel, and insurance while your equipment earns money.

It also lets you add a second crew faster and replace aging equipment before breakdowns cost you jobs. Some lenders offer seasonal payment options. Many equipment purchases may qualify for Section 179 deductions; check with your tax professional.

What Your Financing Can Include

Depending on the lender, your financing can include:

  • Grapples, winches, and stump attachments
  • Chip boxes and truck bodies
  • Trailers for chippers and loaders
  • Safety equipment and climbing gear bundled with equipment
  • Delivery and operator training
  • Extended warranties

Programs That Work Well for Tree Care Equipment

  • Program

    TRAC Lease

    A TRAC, or Terminal Rental Adjustment Clause, lease is built for trucks and titled vehicles, with lower payments and a set end value, a fit for bucket trucks.

  • Program

    $1 Buyout Lease

    Lease payments, then own the equipment for one dollar at the end.

New Business or Established, We Can Help

Starting a tree service or landscaping company? Equipment financing is available from day one for startups, so you can buy your first chipper or loader right away. Established crews can add trucks and machines as they grow. See our industrial and construction page and construction equipment financing.

What You'll Need

Requests under $150K can often be approved on the application alone, which covers most chippers, grinders, and compact loaders. For bucket truck fleets, financial statements can help. At funding, many deals need only a driver's license and the invoice.

Frequently Asked Questions

Still have a question?

Talk to a real person. We're happy to walk you through your options.

Can I finance a used bucket truck?

Yes, many lenders finance used bucket trucks. Share the year, mileage, boom details, and inspection records when you apply.

Can I finance a chipper and truck together?

Often, yes. Many lenders combine chippers, trucks, and trailers into one agreement.

Are seasonal payments available?

Some lenders offer seasonal or deferred payment structures for tree care and landscaping businesses. Tell us when your busy and slow months fall, and we'll look for lenders who can match that rhythm.

Can I finance a stand on mini skid steer?

Yes. Compact loaders are among the most common purchases we help tree care and landscaping companies finance.

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