We've partnered with Mower Finance (powered by Terrace Finance) to offer flexible payment solutions for your equipment purchase. Whether you're a homeowner, commercial operator, or municipality, Mower Finance connects you with multiple lenders through one simple application — with consumer options up to $75K and commercial programs up to $500K.
Equipment Financing & Leasing
Mower Finance makes equipment financing simple. One application connects you with multiple lenders for the best payment options available to you.
Multi-Lender Platform
Multiple lenders compete to offer you the best terms
Up to $75K Consumer
Commercial programs up to $500K
Consumer & Commercial
Options for homeowners, businesses, and municipalities
7-Day Live Support
Customer and merchant support available 7 days a week
Apply Now
One application, multiple lender options
All credit profiles considered. Your terms will be clearly explained based on the lender you are matched with before signing and with no obligation to accept. New and used equipment eligible. Must be 18 or older to apply.
Mower Finance, powered by Terrace Finance, is not a lender. Applications are routed through a network of payment solution providers. Approval and approval amount are subject to credit eligibility and not guaranteed. Equipment Solutions Outdoors is not a lender and does not make financing decisions.
Programs for Every Situation
Mower Finance routes your application to the best program for your credit profile. One application — the system does the matching for you.
Consumer Programs
8+ payment solution providers
Financing for Every Kind of Equipment We Sell
One application covers everything on our lot: mowers, outdoor power equipment, and Manitou and Gehl construction machines. Whether you're a homeowner buying your first zero-turn or a contractor adding a telehandler to the fleet, here's how equipment financing works for each type of machine.
Mower & Turf Equipment Financing
Finance a Spartan zero-turn or any turf equipment purchase with payments built around your budget. Consumer programs run up to $75,000 with terms up to 84 months, and every credit profile has options, including no-credit-needed leases. New or used, one machine or a bundle. See the mower lineup and apply when you're ready.
Outdoor Power Equipment Financing
Spreading the cost of outdoor power equipment is simple with the same one-application process. Echo trimmers, blowers, chainsaws, hedge trimmers, and the PAS multi-tool system all qualify. Smaller-ticket leases start low and match payments to your pay cycle, so kitting out a full crew doesn't have to hit all at once. Browse Echo equipment.
Landscaping & Lawn Care Equipment Financing
Running a landscaping or lawn care business? Commercial equipment financing goes up to $500,000 across 40+ payment providers, with programs for most credit profiles and new businesses welcome. Bundle equipment with working capital like seed, fertilizer, and other supplies, and ask about the potential tax benefits of financing instead of paying cash. Landscape equipment leasing keeps monthly payments low and cash free for the season.
Construction Equipment Financing
Skid steers, track loaders, articulated loaders, telehandlers, forklifts, and aerial work platforms finance through Manitou Finance and approved lenders, with the current factory rate programs shown on each machine page. Municipal or government buyers can ask about Sourcewell cooperative purchasing on any quote. Browse the Manitou & Gehl line.
Equipment Loan or Lease: Which One Fits?
An equipment loan spreads the full purchase into fixed monthly payments, and you own the machine outright from day one. That's usually the better move when you'll keep it for years. A lease keeps payments lower and cash flexible, with early-ownership and same-as-cash options, which tends to suit seasonal work or gear you'll upgrade sooner. You don't have to decide up front. One application shows you both, all credit profiles considered, with no obligation to accept.