SBA loans for landscaping & lawn care businesses
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data [source] · File as of September 30, 2026 · Loans approved in federal fiscal years 2024–2026 (Oct 2023 – Sept 2026) · Imported November 4, 2026
Landscaping Services (NAICS 561730)
2,941loans approved
$107,900median loan
$45K–$300Kmiddle half of loans
$950.4Mtotal approved
10%median initial rate
10 yrsmedian term
Borrowers reported 27,420 jobs created or retained.
5.8% of these loans went to franchise locations.
Loan sizes
States with the most loans
| State | Loans | Median |
|---|---|---|
| Florida | 219 | $223,000 |
| Ohio | 183 | $50,000 |
| Pennsylvania | 158 | $59,900 |
| Massachusetts | 153 | $71,600 |
| New York | 153 | $50,000 |
| Texas | 149 | $246,400 |
| California | 148 | $150,000 |
| Michigan | 139 | $84,100 |
| New Jersey | 113 | $150,000 |
| Illinois | 79 | $148,000 |
Most active lenders
| Lender | Loans | Median | Total |
|---|---|---|---|
| The Huntington National Bank | 352 | $57,750 | $66.8M |
| TD Bank, National Association | 239 | $50,000 | $23.3M |
| Manufacturers and Traders Trust Company | 167 | $40,000 | $10.9M |
| Newtek Bank, National Association | 124 | $200,000 | $35.8M |
| U.S. Bank, National Association | 113 | $34,000 | $21.8M |
| United Midwest Savings Bank National Association | 88 | $150,000 | $19.2M |
| Northeast Bank | 88 | $112,950 | $11.7M |
| Bayfirst National Bank | 80 | $150,000 | $13.3M |
| Readycap Lending, LLC | 78 | $75,000 | $13.6M |
| Wells Fargo Bank National Association | 71 | $15,000 | $18.2M |
Planning one? Read how to start a landscaping & lawn care business and model payments with the loan calculator.
What this data does — and doesn't — tell you
- Approvals, not applications. These are loans SBA approved. The data has no denials, so it cannot tell you your odds of approval.
- Loan size is not startup cost. 7(a) loans also pay for buying existing businesses, real estate, equipment, refinancing and working capital.
- Gross approval amount. Figures are the full approved loan, including the part SBA does not guarantee. Some approved loans are later reduced or never fully disbursed.
- Industry codes are assigned at approval (NAICS) and can be imprecise — a mobile detailer may be coded as a car wash, for example.
- Medians beat averages here: a few very large loans pull averages up. We show the median and the middle half (25th–75th percentile).
- No default rates. Most recent loans are still being repaid, so charge-off rates for these years would be misleading. We don't show them.
- Cancelled loans are excluded, and any group with fewer than 10 loans is hidden. We never publish borrower names.
- Lender counts aren't a quality rating. Big national lenders make many small loans; local lenders may know your market better. Talk to several, or use SBA Lender Match.