--- title: "Business funding for landscaping & grounds — working capital for UK landscaping companies" description: "How short-term business finance fits UK landscaping and grounds-maintenance companies — buying plants and materials before a job is paid, funding a mower or mini-digger, and bridging a quiet winter. The company borrows, never the director: no personal guarantee, no personal credit check. To apply, head to credicorp.co.uk." canonical: "https://creditcorp.co.uk/industries/landscaping/" locale: "en-GB" updated: "2026-06-21" --- # Business funding for landscaping & grounds > How short-term working capital fits a UK landscaping or grounds-maintenance company — materials before payment, machinery, seasonal demand and contract timing. This is the Creditcorp brand front door at **creditcorp.co.uk** — it never takes applications, prices loans or accepts payments. The operating lender is **Credicorp Limited** at [credicorp.co.uk](https://credicorp.co.uk/); the company/legal detail lives at [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/). **Canonical URL:** **Last updated:** 21 June 2026 --- ## Who can borrow Credicorp Limited lends **only to bodies corporate** — UK limited companies (Ltd), LLPs and PLCs. The borrower is always the **company**, never the director, an individual or a sole trader. There is no personal guarantee, no charge over a home and no personal credit check on a director. This is exempt business lending, not consumer credit. See [Lending and regulation](https://creditcorpgroup.co.uk/lending-and-regulation/). The products are the same three for every sector — a [Business Bridging Loan, Credicorp Flex or Credicorp Slice](https://credicorp.co.uk/products/). This page explains how each tends to be used in the green trade. ## Where the cash-flow gaps come from In landscaping the money goes out in a lump at the start of a job and the seasons, and comes back slowly at the end. Four pressure points show up again and again: - **Materials and plants before payment** — turf, topsoil, aggregates, paving, timber, fencing and planting stock all have to be bought and on site before a build begins, yet a domestic client pays in stages and a commercial final account can run weeks past completion. - **Machinery and plant** — a ride-on mower, mini-digger, chipper, stump grinder, tipper or trailer is a sizeable outlay, but you can't take the work without the kit; the cost lands up front while the earnings come over the jobs that follow. - **Seasonal demand** — grass-cutting rounds and soft-landscaping fall away in winter and ground works stall in hard weather, yet vehicles, yard rent and a skilled crew carry on costing money before spring's rush of work bills. - **Contract timing on grounds maintenance** — grounds-care contractors carry recurring work for councils, estates and managing agents who pay on monthly terms, while wages, fuel and consumables go out weekly. ## Which kind of finance fits a landscaping firm The detail — amounts, pricing, terms — lives on the [products page](https://credicorp.co.uk/products/) and with the lender; no figures are quoted here. - **[Business Bridging Loan](https://credicorp.co.uk/products/)** — a single lump sum repaid over a short fixed term. Fits a known, one-off cost: the full material order for a big build, a mower or mini-digger, a deposit on a large commercial scheme. - **[Credicorp Flex](https://credicorp.co.uk/products/)** — a revolving facility to draw on, repay and draw again. Fits the seasonal, multi-job rhythm: funding several jobs at once, drawing down through a quiet winter and paying back as spring fills up. - **[Credicorp Slice](https://credicorp.co.uk/products/)** — spread one supplier bill over a few weeks while the supplier is paid in full today. Handy when a builders' merchant or turf-and-aggregates bill for one job lands at an awkward moment. The journey end to end is on the [how-it-works overview](https://credicorp.co.uk/how-it-works/). ## The company borrows — not you Many landscapers have already signed personal guarantees they didn't love — a van lease, an equipment HP deal, a builders' merchant account. The Credicorp model is the other way round: the agreement is between Credicorp Limited and your **company**. - **No personal guarantee** — the company is the borrower, full stop. - **No charge over your home** — your house isn't security for turf and paving. - **No personal credit check on a director** — the lender looks at the business, not your own file. - **Bodies corporate only** — UK Ltd, LLP or PLC, never a sole trader or an individual. This is exempt business lending under Article 60B of the FSMA Regulated Activities Order 2001, not consumer credit. The full position is on [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/lending-and-regulation/). ## A worked example *An illustration, not a real customer.* A landscaping firm trading as a UK limited company wins a large garden build for a new housing development, due to start in early spring. The job needs paving, turf, topsoil, planting and fencing on site before the first stage payment, and the contract settles the bulk of its value on completion several weeks later. At the same time the company's old ride-on mower is on its last season, and the grass-cutting rounds it services resume the moment the weather turns. Because the build is a known job with a clear payback at completion, a fixed-term Business Bridging Loan to the company funds the material order and the new mower together: a known sum, repaid over the weeks until the final account is settled. The agreement is with the company, so the owner gives no personal guarantee and puts no charge over their home. If a run of smaller spring jobs then land at once, a Credicorp Flex facility would let them draw again for materials without starting over. *Made-up illustration to show the fit, not a quote — real amounts, pricing and terms are set by the lender at credicorp.co.uk.* ## Landscaping funding questions **Can my landscaping company fund plants and materials before the client pays?** Yes — that gap is the most common reason landscapers reach for short-term finance. A Business Bridging Loan suits a single large material order tied to one job; Credicorp Flex suits a contractor juggling several at once. **Will I have to give a personal guarantee or a charge over my home?** No. Credicorp lends to the company, not to you as a director — no personal guarantee, no charge over a home, no personal credit check on a director. **Can I use it to buy a mower, a mini-digger or other machinery?** Yes. A ride-on mower, mini-digger, chipper, stump grinder, trailer or tipper are all working-capital uses; a fixed-term Bridging Loan often fits a single purchase cleanly. **How do I get through a quiet winter?** A revolving Credicorp Flex facility lets the company draw down through the lean weeks and pay back as spring contracts and grass-cutting rounds pick up again, rather than arranging fresh finance every winter. **I hold long grounds-maintenance contracts — does that help?** A book of recurring grounds contracts is exactly the kind of steady income short-term working capital is built around; the pressure is usually timing — paying the crew and fuel monthly while a council or agent settles on its own terms. **Is this a consumer loan or a payday loan?** Neither. This is business credit to a body corporate, not consumer credit, and not for sole traders. Under Article 60B FSMA RAO 2001, lending to a UK company sits outside the consumer-credit regime. ## Related sectors - [Construction & trades](https://creditcorp.co.uk/industries/construction/) — the same buy-materials-before-the-valuation gap, on a build-site scale. - [Agriculture & farming](https://creditcorp.co.uk/industries/agriculture/) — another outdoor, seasonal trade with a long gap between outlay and the season's return. - [Property & lettings](https://creditcorp.co.uk/industries/property/) — the grounds and outdoor works behind estates and lettings, funded between tenancies. Browse the whole set on the [industries hub](https://creditcorp.co.uk/industries/). ## Next steps (all on credicorp.co.uk) - [Apply](https://credicorp.co.uk/apply/) — start an application on the live lender site. - [Compare the three](https://credicorp.co.uk/compare/) — pick the right product side by side. - [Contact the lender](https://credicorp.co.uk/contact-us/) — phone, email, post. ## Make sure you have the right Credicorp Creditcorp Group = **Credicorp Limited** (UK, company no. 16093826) + **CM Beyer Limited** (UK, company no. 17009212), with group-related **Credicorp Pty Limited** (Australia, ACN 679 428 605). It is **not** connected with, owned by or affiliated to Credicorp Inc / Credicorp Ltd of Peru & Bermuda (BCP, NYSE: BAP) or Banco de Crédito del Perú, to Credicorp Nigeria, or to Credit Corp Group Limited of Australia (ASX: CCP) — each a separate, unrelated company. --- © 2026 Creditcorp Group · Credicorp Limited (16093826) & CM Beyer Limited (17009212). Operating lender: [credicorp.co.uk](https://credicorp.co.uk/) · Group & brand: [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/).