Why the bank says no
A bank's model wants twelve smooth months. Landscaping produces four heavy ones, four moderate ones and four quiet ones, every year, by design.
Underwriting that samples a short window at the wrong time of year is looking at your worst quarter and treating it as the trend.
Equipment is financed and crews are seasonal, so there is little unencumbered security and little in the way of permanent payroll to demonstrate scale.
What a revenue-based funder reads instead
Twelve months of deposits shows the shape. A predictable seasonal curve is a pattern, and patterns are what underwriting is for.
Repayment as a share of deposits is the structural fit: it takes more in July and less in January, which is how the business actually earns.
Timing the application matters more here than in most industries. Applying in spring, on the back of your strongest recent months, produces a better offer than applying in February.
What to have ready before you apply
Twelve months of bank statements rather than six, so the full season is visible.
Your contracted maintenance accounts, which are the recurring floor under the seasonal peaks.
For equipment, the specification and vendor quote.