Building Financial Strength for Arborists: Key Steps for Business Growth

Equipment financial

As an arborist, expanding your business requires industry expertise and a solid financial foundation. Building a strong financial standing is fundamental in setting your business up for current and future success. Let’s delve into key steps to enhance your financial profile and attract competitive financing solutions for your arbor business. 

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1. Maximize your credit score

One of the first steps to improve your financial attractiveness is to work on increasing both your personal and business credit scores. Aim to build your credit score to 700 or higher, as this demonstrates financial reliability and can open doors to better financing options for you and your business.

Even if you have the money to pay cash for equipment, financing can still be beneficial. It helps build a credit history and boost your credit score over time. Timely payments, reducing debt-to-income ratios and maintaining a clean credit history are effective strategies to improve your credit scores and enhance your overall financial health.

2. Highlight industry experience and profitability 

Finance companies often assess your experience in the industry and the time your business has been operational. It is important to showcase your expertise as an arborist and highlight the successful projects you’ve undertaken. Longer time in business instills confidence in lenders, indicating stability and reliability in your operations.

Additionally, lenders look at your revenue and profitability. Ensuring that your financial records reflect a healthy financial standing will help strengthen your loan application. Aim to build a strong case that shows both your expertise in the industry and your business’s financial stability to increase your chances of securing favorable financing options.

3. Understand equipment requirements 

When seeking financing, consider the condition of the equipment you are looking to finance, as lenders often scrutinize the longevity and condition of equipment crucial to your business. Financing new is often the best route, especially when it comes to arborists who rely on specialized equipment such as chippers, loaders and aerial-lift or log trucks.

These assets can serve as valuable collateral; however, their condition and value significantly impact loan terms and the amount you qualify for. It’s essential to maintain your equipment well and to then consider financing options that align with the longevity and quality of your assets.

4. Leverage your online presence 

Consider starting a website or a Facebook, Google Business or Yelp page if you don’t already have one, as a robust online presence can benefit your business. An updated website displaying your services, certifications and client testimonials can boost your credibility with potential clients and lenders. Also, active engagement on social media platforms can further enhance visibility and improve your financing opportunities.

Added note: Make sure the photos on your website and in your social media exhibit compliance with proper safety requirements and industry best practices.

5. Partner with an experienced finance provider

Choosing the right finance partner is crucial. Look for financial institutions with a proven track record, familiarity with the industry and extensive experience in catering to arborists’ financing needs.

Equipment financial


By focusing on these financial aspects and partnering with an established finance provider, arborists can lay a solid foundation for sustainable growth and success in the competitive arbor industry.

Adelyn Hildebrandt is marketing coordinator with AP Equipment Financing, a 10-year TCIA corporate member company based in Bend, Oregon. With more than 25 years of industry expertise, AP Equipment Financing understands the unique challenges and opportunities in the arbor and tree care sector. Its team offers tailored financing solutions that align with their clients’ business goals, whether those are acquiring new or used equipment, expanding operations or optimizing cash flow.

For more information contact AP Equipment Financing at (888) 257-1727 or

TCI Magazine’s Educational Sponsored Content is a sponsored feature available only to TCIA corporate members. This article is sponsored by AP Equipment Financing. Certain limitations apply. Contact for more information.

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