Second Position Merchant Cash Advance for Landscaping Companies
A landscaping company with one advance can often add a second in spring, when deposits are climbing and the season's work is booked. The second funder sizes the offer against the first payment and the full year, including January. It fits a company with signed contracts that repay it by midsummer, not one carrying last year's shortfall.
The seasonal math on two advances
Spring and summer carry both
From spring into summer, deposits climb as maintenance routes and installs fill up. Two debits usually fit.
Late fall and winter don't
Once mowing stops, deposits drop sharply. Any balance left on either advance keeps debiting through the low months.
What two advances take in January
Say a landscaping company at $70,000 a month already sends $5,600 monthly to its first funder, then adds $18,000 at 1.45 over 6 months, about $4,350 more.
| Month | Deposits | First advance only | Both advances |
|---|---|---|---|
| An average month | $70,000 | 8.0% | 14.2% |
| January, the slowest | $57,200 | 9.8% | 17.4% |
| June, the busiest | $77,400 | 7.2% | 12.9% |
Combined, 17.4% of deposits leave in January. January is the trough for landscaping services (NAICS 561730) in BLS staffing counts (81.7, with 100 as the yearly average); June peaks at 110.6.
Timing the second advance
The best second position for a landscaper starts in early spring and ends by late summer. Ask for a term that clears before fall cleanup ends. If the first advance runs into winter, the second should be small enough that both fit January's deposits.
Where a second position fits
- A large commercial install with a clear payment schedule.
- A second crew and trailer for booked maintenance routes.
- Hardscape equipment rental for a specific contract.
Where it doesn't
Buying a fleet of mowers or a skid steer is equipment financing territory. Using a second advance to cover last winter's shortfall usually just moves the problem forward a season.
What the second funder checks
Signed contracts for the season, the first advance's balance and payment history, and deposits for the last full year. A company that shows the first advance paid on time through last winter makes the strongest case.
Rain delays
A wet spring pushes installs back weeks while both debits keep landing. Build a few weeks of slack into the plan so a rainy April doesn't turn the second advance into a problem.
Quick answers
Can a landscaping company take a second merchant cash advance?
Often, yes, especially in early spring when contracts are booked. The second funder reviews your first advance, a full year of deposits and your signed contracts. Aim for a term that ends before winter, so neither payment runs into the slowest months.
What is a good use for a landscaper's second position advance?
A defined seasonal need with a clear payback, like a second crew for booked maintenance routes or materials for a large commercial install. Long-term equipment belongs on equipment financing, and covering an old shortfall usually pushes the problem into next winter.
Why does a second funder want a full year of statements from a landscaper?
Because the business swings hard with the seasons. A few summer months look strong, but the funder needs to see how deposits hold in winter and how the first advance was handled then. A full year shows the real pattern.
More for landscaping companies
- Same-day merchant cash advance for landscaping companies
- MCA consolidation for landscaping companies
- Revenue-based financing for landscaping companies
- Business line of credit for landscaping companies
- How funders read landscaping companies
- Second position MCA: how it works
Run your own numbers with the stacked payment calculator.
Want to see what fits a landscaping company like yours?
Tell us your slow months and your open advances, and we'll shop the file with funders whose programs fit. Call 877-FUND-654 with any question. We call you back, usually the same business day, and we always talk with you before we shop your file.