Landscaping Equipment Financing in Myrtle Beach, SC: Spreader-Sprayers, Dump Trailers and Parts on a Credit Line

A landscaping company spends money on three kinds of things: machines that stay on the trailer for years, parts and materials that get used up on customer jobs, and the repair bills that land in between. The table lines each one up with a product on this site. The partner reviewing the request sets any rate, term or down payment.

Plants, sod and stone bought for one customer’s job are part of that job’s cost. Work on the landscaping company’s own yard, shop or buildings is property work outside this site. The industries page names contractors and auto repair shops alongside landscaping crews.

Illustration only, invented figures: a Myrtle Beach, SC landscaping company gets one dealer quote for a stand-on spreader-sprayer at $11,640 and a 10-foot dump trailer at $9,780, $21,420 together. Over 48 months at 11.25%, the monthly figure comes to $556.22; the 48 payments sum to $26,698.56, so interest is $5,278.56 (our arithmetic).

In this invented example, both items sit on one quote, so one request covers them. A partner may list the trailer by its title details and the spreader-sprayer by model and serial number, and it may ask for a down payment on either.

Putting part of the price down in cash shrinks the amount financed. The equipment financing page runs the same figures through price, down payment, rate and term, so the quote can be tested before the call.

Illustration only, invented figures: a Horry County, SC landscaping company draws $6,780 on its credit line for irrigation valves, controllers and drip line it keeps on hand for repair calls, and another $2,340 for a mower engine rebuild. It pays the $9,120 down in four level payments at 14.05%: $2,347.13 each, $9,388.52 in all, with $268.52 of interest (our arithmetic).

In this invented example, the limit opens up again as the balance falls, so the next parts order can come from the same line. Irrigation parts held for customer work are stock, like any contractor’s materials on hand; the engine rebuild is a repair bill, an ordinary operating cost.

A partner sets the limit, the rate and the draw rules. Draws and limits are described on the line of credit page.

The ZIP 29577 count for landscaping services (NAICS 561730) was 17 employer establishments in 2023, out of 114 in the wider administrative, support and waste management sector at that ZIP (ZIP Code Business Patterns).

Across Horry County, SC, County Business Patterns lists 197 landscaping services employers for 2023. Subtracting the 125 with fewer than five employees leaves 72 landscaping employers with five or more (our arithmetic).

Owner-only landscaping businesses appear in a different Census program: Nonemployer Statistics lists 868 landscaping services businesses without paid employees in the county for 2024. That count is never added to the employer figures. An owner working alone and a company running several crews can send the same request form.

Illustration only, invented figures: an operating Myrtle Beach, SC landscaping company adds a second mowing crew and prices a walk-behind core aerator at $6,180, a slit seeder at $5,470, backpack sprayers, edgers and blowers at $4,920, and a set of crew radios at $3,290, $19,860 in all, at 12.15%.

Stretching to 48 months trims $136.61 from each payment; the price of that is $1,375.44 more interest across the loan in this invented example. A partner may set a shorter term for handheld tools than for the trailer.

Wages for the new crew are payroll, which fits working capital rather than the equipment request; the working capital page describes that product. ZIP 29577 trade counts for other industries are on the Myrtle Beach, SC page.