To start, call (865) 326-1090 with the grinder quote nearby or fill in the request form; Boldwick hands it on to funding partners, and the partner chooses whether to offer anything and on which terms.
A stump grinder priced with 10% down and with the whole price financed, a dump insert and toolboxes added to a paid-off pickup, a table matching landscaping costs to funding types, and Sevier County, TN landscaping counts.
At a glance
- Landscaping services employers, Sevier County, TN
40 establishments (CBP 2023, NAICS 561730)
- Annual payroll at those employers
$5.7 million (CBP 2023)
- Landscaping employers with a ZIP 37862 address
10 (ZIP Code Business Patterns 2023)
- Landscaping businesses with no paid employees, county
302 (Nonemployer Statistics 2024)
What a Sevierville, TN landscaping company prices before financing a stump grinder
A stump grinder is a single machine with a clear price, which makes it a clean request: the dealer quote is the amount, and the grinder itself may serve as collateral for its own equipment financing. Before calling, a tree and stump crew can pull together a short file:
- The dealer quote showing the model, cutting wheel, teeth and any trade-in credit
- Engine hours and a service record, if the grinder is used
- How the grinder travels between jobs: on a trailer the company owns, or one it still has to buy
- Recent business bank statements and the date the company started operating
A funding partner may ask for some of this and not the rest, and the partner sets any rate and term. A tracked grinder and a towable one can differ a lot in price, and so can a new machine and one with a few hundred hours on it. Pricing both before the call gives the owner two real figures to compare instead of a guess.
A stump grinder with 10% down or the full price financed: a Sevier County, TN example
Illustration only, invented figures: a Sevierville, TN landscaping company gets a $38,460 quote for a self-propelled stump grinder and compares two requests at an 11.2% annual rate over 48 months. In the first it puts $3,846 down, 10% of the price; in the second it asks for the whole amount.
| Request | Monthly payment | 48 payments | Interest |
|---|---|---|---|
| $3,846 down, $34,614 financed | $897.98 | $43,103.04 | $8,489.04 |
| Full $38,460 financed | $997.76 | $47,892.48 | $9,432.48 |
With the down payment counted, the first request in this invented case costs $46,949.04 in all, and each month runs $99.78 below the full-price request. The full-price request keeps $3,846 in the bank account on day one, and the company pays $943.44 more in interest across the four years for that cushion. Neither is right in general: it depends on what that cash would otherwise carry.
A dump insert, toolboxes and a ladder rack added to a pickup the company already owns
An upfit is a smaller request. Illustration only, invented figures: a Sevier County, TN company adds a $5,980 dump insert, two $620 underbody toolboxes and an $860 ladder rack to a pickup it already owns outright, an $8,080 package.
In this invented case, a 24-month term loan at a 13.2% annual rate puts a $384.90 payment on the books each month. The 24 payments total $9,237.60, which leaves $1,157.60 as the interest, by our arithmetic. The truck itself is not part of this request; buying a new work truck is a separate cost with its own quote.
An insert that bolts into the bed and toolboxes that mount to the frame stay with the truck, so the owner can list them as add-ons to a vehicle already in service. A partner may ask for the truck title to confirm the company owns it.
Grinder, mulch order or crew wages: which Sevierville, TN landscaping cost fits which funding type
Not every landscaping cost belongs on an equipment loan. The table pairs common costs with the funding type that matches how each one is paid off.
| Cost | Funding type | Why it fits |
|---|---|---|
| Stump grinder or brush chipper | Equipment financing | The machine may serve as collateral and lasts for years |
| Dump insert and toolboxes | Term loan | A fixed amount with a fixed end date |
| Mulch, stone and plants bought for one job | Business line of credit | Drawn when ordered, paid back when the client pays |
| Crew wages while a new commercial account starts | Working capital | A one-time gap with no machine attached |
A business line of credit charges interest only on the amount drawn, so a mulch and stone order can be drawn the day it is picked up and cleared once the client's payment arrives. Working capital fits a gap that is not tied to a single order. Irrigation lines and drainage installed at a client's property belong to the client; the company's own costs are the parts it buys and the tools it uses.
How small Sevier County, TN landscaping companies run, and how many have no employees at all
County Business Patterns counted 40 landscaping services establishments with employees in Sevier County, TN in 2023 (NAICS 561730). Their combined annual payroll came to $5.7 million. Of those 40 employers, 28 kept their headcount under five.
Ten of those employer establishments had a physical address in ZIP 37862 that year, per ZIP Code Business Patterns. Nonemployer Statistics, a separate Census program, counted 302 landscaping businesses with no paid employees in Sevier County, TN for 2024, with $11,881,000 in combined receipts.
A one-person outfit can send a request for equipment financing just as a crew with payroll can, and a partner may review its bank statements and time in business. The industries page has notes on contractors and other trades, and the Sevierville, TN page gives the office address.
By Boldwick Funding Group ยท Updated
