Growing Green

  • Funding Amount: $750,000

  • Industry: Landscaping

  • Use of Funds: Payables, Expansion

A local landscaping company with 15 years' time in business and $10M of annual revenues selects Fora Financial as their funding partner with one goal in mind: 50% year-to-year growth.


With an immediate objective of substantial bottom-line growth, the landscaper's long-term vision was to lay a robust foundation that will drive over 50% growth in 2024, establish their presence as a leading player in the commercial and municipal landscaping sector, and while build lasting partnerships that propel their success well into the future.


At the beginning of 2023, many larger local contacts expired, providing the opportunity to transition into the municipal and commercial sectors. The owner wanted to shift strategies away from smaller residential projects, aiming to diversify revenue streams.


The start-up costs for larger jobs required additional liquidity and receivables could not be collected on smaller jobs fast enough to support the owner's heightened liquidity needs. So, the owner needed fast and flexible funding from an outside source.

With current management owning 100% of the equity, the company was not ready to dilute their shares. Instead, they needed to take on debt. Their team contacted multiple banks, but none were willing to provide the amount of funds the company needed – too many laborious and time-consuming obstacles.

Because the company engaged Fora back in 2022 and understood the pros/cons of Fora's product, it made their funding process much easier this time around.

How Fora Financial Helped

Directed to Fora Financial from a strategic partner, the partner made it clear that there were three key factors that would get the deal done: (1) speed, (2) flexibility, and (3) early payoff discounts. Initially only looking for $250k, after the company learned that their cost of capital would be significantly discounted if repaid within 6 months instead of 12, they requested a higher approval amount from Fora.

Originally approved for $600k, after conducting due diligence on the business and talking through the move-forward strategy with the company's leadership, Fora Financial improved its offer to $750k. This allowed the company to hire additional staff to take on a few multi-million-dollar jobs and acquire materials for those jobs.


The partnership with Fora Financial yielded significant outcomes for the landscaper:

  • Immediate Utilization: The company swiftly put Fora's $750,000 approval to work, deploying the funds where they were needed most.
  • Cost of Financing Incorporated: By factoring the cost of financing into their contracts, the business positioned itself for its most robust quarter ever in Q1 of 2024.
  • Sustained Growth: Ample gross margins resulting from Fora's financial support are fueling continued growth for the company, aligning with their long-term vision.


If you own a small business and are looking to scale, liquidity and capital availability is essential. Don't look for capital only when you need it. Instead, build relationships with a capital provider and know what you qualify for before it becomes a necessity. That way, you can build it into your short and long-term financial plans.

Why Fora Financial

The company's decision to partner with Fora Financial was based on several key factors:

  • Speedy Access to Capital: When time was of the essence, Fora Financial provided the rapid access to capital the company needed to seize a growth opportunity.
  • Flexibility to Suit Needs: Fora's flexibility in tailoring funding terms allowed the company to choose a repayment schedule that aligned with their financial strategy, ultimately reducing their cost of capital.
  • Relationship-Driven: Fora Financial's referral by a strategic partner underlines their strong industry relationships, emphasizing the value of working with a well-connected financial partner.
  • Comprehensive Due Diligence: Through rigorous due diligence and open discussions, Fora Financial demonstrated its commitment to understanding the business and adjusting its offer to better suit the company's goals.
  • Cost-Effective Growth: The partnership with Fora Financial enabled the company to grow cost-effectively, positioning them for a record-breaking quarter and sustained expansion in line with their long-term vision.

What Sets Us Apart from the Rest

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