Commercial Programs

Grow Your Business with the Right Financing
Transactions of $5,000 and Up

Our Commercial Programs

Because Mower Finance is not a lender but represents 18 lenders and counting, we are able to offer a wide range of programs. Commercial lending is very specialized, so we don’t expect applicants to know what program they belong in before applying. We will work with you to match you with a lender and program that meet your needs. Our general programs are outlined below to give you an idea of the breadth of options available.

NEW! Fleet Lease Program

Take Advantage of the remaining value in your old mower
when you need a new one. Learn more here and through the printable 1-pager below.

Application-Only Program

Amounts up to $250,000
Rules can vary based upon the amount.

New Small Ticket Program

Full Approvals in Seconds!
Amounts of $500-$15,000
No Hard Credit Pulls


90 Day Deferred Program

Amounts from $5,000-$35,000
For customers seeking to jump-start their cash flow.

Start-Up Program

Amounts up to $30,000
For companies in business under 2 years.

6-Month Deferral/Step Program

Amounts from $35,000-$75,000
For qualified upper credit tier applicants.

No Pre-Payment Penalty Program

For customers seeking a short-term funding solution that doesn’t lock them into a long term contract.

Working Capital

Working capital loans are a great way for businesses to generate capital for intangibles
and to be laser-focused on business growth.

Municipal Financing

For government entities and certain non-profits.
Learn more about here or through the printable 1-pager below.

Sample Rates

A Rates*

As Low As 0.0%

  • 5+ years time in business required
  • Terms of 24 months to 72 months
  • 750+ Credit Score
  • 660+ Paynet
  • Comparable business borrowing
  • No Bankruptcy

Application-Only Up To


B Rates*

As Low As 7.5%

  • 2+ years time in business required
  • Terms of 24 months to 60 months
  • 660+ Credit Score
  • 650+ Paynet
  • Comparable business borrowing
  • No Bankruptcy

Application-Only Up To


C Rates*

As Low As 15.5%

  • 2+ years time in business required
  • Terms of 24 months to 48 months
  • 580+ Credit Score
  • 640+ Paynet
  • Comparable business borrowing
  • Credit re-established after bankruptcy

Application-Only Up To


Transactions over $250,000

We finance fleets and larger equipment. Mower Finance will provide you with a customized quote based on your unique situation. Find out more here.

*Rates are approximate for purposes of comparison and depend on the particular lending product and many other factors unique to each applicant.

Second Chance Financing

Mower Finance proud to be able to secure funding for over 30% of the turn-downs we receive from other lenders. Our lender network and the experience of our agents make it possible for Mower Finance to find creative solutions for customers in all kinds of situations.

How Equipment Financing Works

Applying for financing through Mower Finance gives you access to our network of lenders curated to serve a wide range of credit profiles and needs.



Fill out the Mower Finance online application at home or through your dealer’s portal to get the ball rolling. It’s one page and only takes a minute or two.

paperwork icon

Tell Us Your Story

The Mower Finance team will contact you to assess your needs further and help you compile the necessary documentation.

bullseye icon

Get Matched to a Lender

The Mower Finance team will match you with an appropriate deal and lender based on your credit profile and unique needs. We can also match you with a dealer that carries your desired equipment if you haven’t selected one already.

zero-turn mower icon

Get Funded

Once you accept the lender’s terms, and your dealer submits the invoice for your equipment and any accessories to the lender, your transaction is complete. The lender will fund the purchase via ACH and notify the dealer to release the equipment to you.

Need Help?


Powered by Terrace Finance logo