Landscaping Companies

You hire crews in March for an April start. Material orders go out in February. Revenue starts trickling in May. The MCA you took in January to bridge winter is still pulling $380 daily. The landscape's working. The cash flow chronology isn't.

Hardship hook

Landscaping is one of the most seasonal industries BDA works with. Five months produce most of the year's revenue. The other seven months carry fixed costs, equipment storage, insurance, base payroll for retained crew, license renewals, with minimal income. MCA brokers target landscape companies during the off-season because the cash gap is predictable and severe. The first advance bridges March payroll until April installs hit. The second covers materials for the spring rush. The third covers off-season carrying costs that the original advance was supposed to handle. By the second winter, you're stacked across three or four advances and the next off-season is going to break the business. You're not the only landscape contractor in this position. BDA has worked with hundreds since 2015.

How landscape contractors get trapped

Three things drive landscape companies into stacked MCAs:

Off-season fixed cost carry. Equipment storage, insurance, retained crew, these don't pause when revenue does. The first MCA bridges the gap. Then the daily ACH starts in the off-season when revenue is lowest, which is exactly when the math breaks worst.

Spring ramp-up working capital. Crews hired before revenue arrives. Material orders placed weeks before installation. Equipment maintenance, licensing, fertilizer pre-orders. The MCA covers a $30-60K spring runway that should pay back in 60 days, but the daily ACH eats faster than the AR comes in.

Equipment financing layered with operating MCAs. New mowers, trailers, trucks, irrigation equipment, typically financed through equipment lenders with their own UCC-1 liens. When MCA UCCs layer on top, priority disputes complicate any restructuring. Most owners don't realize the stacking effect until the third advance.

What starts as a $35K spring-bridge advance becomes a $160K stacked obligation across two seasons. Your business books are profitable; your operating account is empty by mid-week.

What BDA does

BDA settles MCA debt for landscape contractors directly with the funders. We negotiate balance reductions, structure a single monthly payment that fits the seasonal pattern, and stop the daily ACH drain on enrollment day.

Typical landscape file: $90-180K total enrolled across 3-4 lenders. Daily drain reduced from $300-500/day to a monthly program payment in the $1,800-3,200 range. Total payback approximately 50-65% of enrolled debt over 24-36 months, inclusive of program fees. Program payments typically heavier during peak season (April-October in most US climates), lighter during winter, most MCA lenders accept seasonal structure when BDA documents the revenue pattern.

You stop the daily drain on day 1 of enrollment. We handle the lender contact, documentation, negotiation. You go back to running crews and growing accounts.

Eleven years doing this work. Over $500 million in commercial debt settled for service-based businesses since 2015. 4.9 out of 5 on Trustpilot. 4.9 on Google reviews. We've handled stacked landscape engagements across every regional climate pattern. We tell you the realistic settlement range for your specific lender mix on the first call.

In default / served

Already in default? Bounced ACH, locked account, demand letters? About 25% of BDA's landscape clients arrive in this position. Default doesn't disqualify you from settlement. The lender's tone changes when you stop paying, they often become more willing to settle, not less.

If you've been served with a lawsuit, a confession of judgment, or a restraining notice on the bank account: BDA coordinates with our attorney network to defend the legal action while we negotiate settlement on the rest. Same firm, same intake, same timeline, legal coverage layered in for the filing lender.

You don't need a separate MCA defense lawyer plus a settlement firm. The coordination is built into how BDA structures legal-stage cases.

If you've been served, the response clock starts immediately. Most states allow 20-30 days. Don't ignore it. Call BDA the same week. We'll tell you what we're seeing on the filing and what your realistic options are.

vs consolidation

A consolidation loan replaces stacked MCAs with one new debt. New debt typically requires personal guarantees, often a UCC-1 on assets, origination fees, and interest. If your MCAs are at moderate factor rates and your credit is strong enough to qualify, consolidation can lower monthly payments, but total payback usually equals or exceeds the original.

Settlement is different. BDA negotiates the existing MCA balances DOWN, not refinanced. No new debt, no new origination fees, no new personal guarantee, no new UCC.

Consolidation can work if your situation supports it. Settlement works when stacking is severe, daily drain is breaking cash flow, or you've already missed payments.

Free 15-minute consultation with BDA. We'll tell you which path fits, honestly, even if the answer isn't us.

Frequently asked questions

My landscape business runs March through October. Can the program handle the off-season?

Yes. Seasonal program payment structure is standard for landscape files. Heavier payments during peak season, lighter ones during winter. Most MCA lenders accept this structure when BDA presents it with documented multi-year revenue patterns.

I have equipment financing UCCs on my mowers and trucks from a different lender. Does that affect settlement?

Equipment finance UCCs typically predate any MCA UCC, creating priority order. We coordinate with equipment lenders during settlement to maintain priority clarity, the goal is settling MCAs without disrupting equipment finance relationships you need for ongoing operations.

My landscape business is set up with my spouse as co-owner. Are both of us obligated under settlement?

Depends on who signed the original MCA contracts and whether personal guarantees include both signatures. BDA reviews each contract during program design. Both signatures may or may not be required for the settlement engagement itself, the original signatures determine that.

What if I'm planning to sell the business or transition ownership during the program?

Tell us during the consultation. Settlement programs can be structured around planned ownership transitions. The new owner typically wants debts resolved before purchase; the settled amount in a closed program is preferable to inherited stacked MCAs. BDA coordinates with sale timelines when known in advance.

Free 15-minute consultation

Stop the daily drain on advances that are killing your landscape business. Schedule a free 15-minute consultation with a BDA settlement specialist. You'll get: a clear read on your specific lender mix, the realistic settlement range for your file, a timeline to stop the daily ACH, and honest next steps, whether you enroll with BDA or not. No upfront fees. No obligation. 100% confidential. Call (877) 817-0404 or schedule online.