The request travels from Heathfield to funding partners, and whatever terms appear are theirs.
Mowers, spreaders and sod cutters fit equipment financing; crew payroll during an invoice wait and job materials fit a credit line or working capital. The reviewing funding partner, not Heathfield, sets any terms.
At a glance
- Landscaping services, Teton County, WY
48 employer establishments (CBP 2023)
- Paid employees, landscaping services, Teton County, WY
249 (CBP 2023, March pay period)
- Landscaping services with fewer than five employees
37 of 48, 77.1% (CBP 2023)
- Landscaping services, ZIP 83001
27 employer establishments (ZBP 2023)
Two Zero-Turn Mowers, a Stand-On Spreader and a Sod Cutter on One Jackson, WY Request
The case below is worked through for a Jackson, WY landscaping company adding mowing capacity. Such a company may buy several machines at once, and one request with every quote attached is simpler than four separate agreements.
Illustration only, invented figures: the company prices two zero-turn mowers at $13,650 each, a stand-on spreader at $8,920 and a sod cutter at $5,760. With the smaller machines included, the mower purchase comes to $41,980, financed at an annual rate of 11.45%.
| Term | Monthly payment | All payments | Interest |
|---|---|---|---|
| 48 months | $1,094.19 | $52,521.12 | $10,541.12 |
| 60 months | $922.20 | $55,332.00 | $13,352.00 |
In this invented example, picking the 60-month column brings each payment down by $171.99 and adds $2,810.88 of interest over the term. A mower that logs long hours every week may be traded in before month 60, so a crew planning that trade can keep the agreement shorter than the machine’s time on its trailer.
Crew Payroll While Customer Invoices Are Out: A Credit Line for Teton County, WY Landscapers
A Teton County, WY landscaper that bills commercial or homeowner-association customers after the work is done pays its crew first. If those invoices take 40 days to clear, the crew payroll wait holds two or three biweekly paydays, depending on where the first one falls.
Illustration only, invented figures: biweekly crew payroll is $9,840, so the 40-day wait holds $19,680 or $29,520 of wages. A 40-day draw of $19,680 on a business line of credit, at an annual rate of 12.45% with simple interest, carries $268.51 of interest. If a third payday falls inside the wait and the draw grows to $29,520, the same 40 days cost $402.77.
When the customers pay, the draw comes down and the room is there for the next job. A credit line fits this pattern because the gap opens and closes with each billing cycle rather than once.
Adding a Second Crew at a Jackson, WY Landscaping Company
A second crew at an operating Jackson, WY landscaping company needs its own tools before it bills a single job: a mower, trimmers and blowers, a trailer to haul them, and wages for the people running them. Each piece fits a different product.
- Mowers and a trailer with a long working life: equipment financing, one quote per machine.
- Trimmers, blowers and hand tools priced in the hundreds: these can cost less paid from cash or a credit line than financed one by one.
- Wages for the added crew until its own invoices are paid: a working capital loan sized from the number of paydays before the first customer pays.
- Uniforms, safety gear and small parts: ordinary operating costs that stay out of any equipment amount.
A partner reviewing that request may look at how the existing crew’s work is billed and paid, so recent customer invoices and the payroll calendar are worth having at hand for the call.
Sod, Stone and Irrigation Parts Bought Before a Landscaping Job Pays
Materials for a landscaping job, such as sod pallets, flagstone, boulders and irrigation valves, controllers and pipe, are bought before the work starts and earned back when the customer pays. That pattern repeats job after job, which suits a revolving credit line better than a term loan.
A working capital loan can make sense for one large job with a single materials order and a known payment date. Either way, the materials end up in a customer’s yard, so they cannot secure the agreement the way a mower can; a partner may weigh the company’s bank statements and open invoices instead.
Landscaping Services in Teton County, WY and ZIP 83001: The Counts
Landscaping services (NAICS 561730) employed 249 people across 48 Teton County, WY establishments with paid staff in the March 2023 pay period, and the group’s annual payroll came to about $22.4 million (County Business Patterns).
Small crews make up the larger part of that count: 37 of the 48, or 77.1%, had fewer than five employees. In ZIP Code Business Patterns for 2023, ZIP 83001 itself held 27 landscaping services establishments.
Nonemployer Statistics counted 55 landscaping services businesses in Teton County, WY with no paid employees in 2024. A landscaper working alone can request equipment financing or a credit line too.
Builders and specialty contractors share the same group on the industries page. For the county and ZIP 83001 side by side across sectors, see the Jackson, WY page. A mini loader, a dump trailer and a trencher ranked by payment per working day are in the landscaping machines post.
By Heathfield Commercial Capital · Updated
