Commercial Lawn Equipment
Lawn Equipment Lease to Own
Outfit your crews with commercial mowers, trimmers and trailers on a $1 buyout lease — low payments now, the equipment is yours at the end.
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Zero-turns • stand-ons • walk-behinds • trimmers & blowers • trailers • skid steers • trucks
Short answer: Lawn equipment lease to own is a $1 buyout lease: you make fixed monthly payments for 12 to 60 months, then own the mowers and equipment for $1. It keeps cash free for payroll and fuel during the season, and credit challenges are considered, usually with a down payment.
Landscape companies grow one crew at a time, and every crew needs a full equipment package. Lease to own lets you add a crew’s mowers, handheld equipment and trailer for a monthly payment the contracts cover, instead of paying cash at the start of the season.
Liberty Capital Group works with commercial landscape and lawn-care companies of every size, from owner-operators adding a second crew to regional companies running dozens of trucks.
Lawn Equipment We Lease
Mowers
Commercial zero-turns, stand-ons, walk-behinds and wide-area mowers.
Handheld
Trimmers, edgers, blowers, hedge trimmers and battery systems.
Trailers
Open and enclosed landscape trailers and dump trailers.
Compact equipment
Skid steers, compact track loaders and mini excavators (see skid steer lease to own).
Turf & tree
Aerators, overseeders, sprayers, chippers and stump grinders.
Trucks
Landscape trucks, dump bodies and crew cabs (see landscape truck financing).
Who We Work With
- Commercial landscape and lawn-care companies
- HOA, commercial-property and municipal maintenance contractors
- Landscapers adding crews for the season
- Tree and turf companies (see tree service financing)
- Outdoor power equipment dealers
Lease-to-Own vs Other Options
| Option | How it works | Best for |
|---|---|---|
| $1 buyout lease (lease-to-own) | You own it for $1 at the end; may qualify for Section 179 | Equipment you plan to keep for years |
| Fair market value (FMV) lease | Lowest payment; return, renew or buy at the end | Equipment you upgrade often |
| Equipment finance agreement (EFA) | You own it from day one; fixed payments | Owners who want the title now |
| Sale-leaseback | Turn equipment you already own into working capital | Funding growth without new debt elsewhere |
Terms run 12 to 60 months. All approvals are on approved credit (OAC); rates and structure depend on credit, time in business and the equipment.
Why Landscapers Lease to Own
Conserve cash
Keep your cash and credit lines for payroll, fuel, materials and growth instead of tying them up in equipment.
Cash flow management
A low capital outlay versus buying outright, with fixed payments you can plan around.
Low, manageable payments
Terms up to 60 months spread the cost so the equipment pays for itself as it earns.
Inflation buster
Lock today’s price and a fixed payment while equipment and material costs keep rising.
$1 buyout lease-to-own
Most leases end with a $1 buyout, so you own the equipment at the end of the term.
Section 179 / 100% deduction
Qualifying equipment may be deductible in the year it’s placed in service. Confirm with your CPA; this is not tax advice.
How to Qualify
- Application-only approvals are available on many deals; limits vary by credit, time in business, equipment type and industry, so published amounts (commonly up to $250K) are guidance, not a promise.
- Larger deals ($250K and up) usually need two to three years of business tax returns, interim financials and bank statements.
- $0 down is reserved for established businesses: 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. First and last payments, taxes and documentation fees may still apply and are not a down payment.
- Newer businesses are reviewed case by case, usually with a down payment or additional collateral.
- Specials for well-qualified businesses (OAC): 90-day deferred payments or $99 a month for the first 3 to 6 months.
See our credit guidelines for the full tiers.
How It Works
- Get a quote with the equipment, the vendor quote and the amount. It starts with a soft inquiry.
- Get approved, often the next business day on application-only deals.
- Sign the documents electronically.
- We pay the vendor and you take delivery. Your personal account manager stays with you for the next piece of equipment.
Related Financing
- Landscape equipment financing
- Landscape truck financing
- Skid steer lease to own
- Tree service equipment financing
- Dollar buyout vs FMV leases
Lawn Equipment Lease to Own FAQ
How does lawn equipment lease to own work?
You make fixed monthly payments for 12 to 60 months on a $1 buyout lease. At the end of the term you pay $1 and own the equipment.
Can I lease to own lawn equipment with bad credit?
Credit challenges are considered. Expect a larger down payment, a shorter term or additional collateral.
Can I lease used mowers?
Yes, used commercial equipment from a dealer can be leased, with terms based on age and condition.
Is $0 down available?
$0 down is reserved for established businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. First and last payments and fees may still apply.
Can I lease a full crew package?
Yes. Mowers, handheld equipment, a trailer and even the truck can be combined on one lease.
Is lease to own better than financing?
With a $1 buyout lease you own the equipment at the end, like a loan, and qualifying equipment may be eligible for Section 179. Confirm with your CPA; this is not tax advice.
Ready to Outfit Your Next Crew?
Liberty Capital Group has helped businesses fund equipment since 2004 — over $250 million funded.