Business finance
Business Loans For Gardeners
Working capital, equipment, and growth finance for gardeners — matched to your revenue and time trading, not a generic credit score.
Trusted by 1,200+
Australian trades
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Local support team
Vetted partners only
How it works
Matched to the right lender in minutes
Tell us what you need
A few details about your business and what the finance is for. Takes under a minute.
We match you
We line you up with the right vetted lender for gardeners and your situation — no guesswork.
Get funded
Your lender takes it from there — approval and funds, sorted.
What you get
Built around your business
- Finance for tools, vehicles, and equipment without draining your working cash.
- Cash-flow cover for the gap between quoting a job and getting paid.
- One application a broker runs across lenders that fund trades — no chasing paperwork.
How it works
Simple next steps
- 1Tell us what you need to buy or fund and how long you have been trading.
- 2We match it to lenders who understand callout-and-quote cash flow.
- 3You compare offers and proceed only if one fits.
Important note
Good to know
No lock-in and no obligation. We only connect you with a partner if it genuinely helps — you decide whether to proceed.
Business finance
Financing for Gardeners
Gardening finance is mostly about kit and the ute that carries it. A ride-on mower, a trailer set-up, blowers and trimmers, or a replacement work vehicle add up fast, and the ~$70,000 ballpark covers a solid refresh of gear plus a vehicle. Because the work is seasonal, a buffer through winter keeps you steady when the round thins out and the one-off jobs slow.
A working-capital line or equipment facility lets you replace a worn mower before it fails or get through a quiet, wet month without stress. Cockatoo helps match you to a lender that understands seasonal trade income and equipment finance.
Common questions
Gardeners — business loan questions
Can I finance mowers and a trailer set-up?
Yes. Ride-on mowers, trailers and a fitted-out ute are well suited to equipment and vehicle finance, often with the gear supporting the loan. Cockatoo helps match you to a lender comfortable with trade kit around the ~$70,000 mark.
How do I manage finance with seasonal income?
Look for a facility that suits uneven cash flow, so repayments are comfortable through a quiet winter as well as a flat-out spring. A working-capital line gives you that buffer without dipping into the money you need for fuel and tip fees.
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Tell us what you need and we'll match you to the right partner — free, no lock-in, under a minute.