It really depends...I personally took 3 years to pay off my 04' Lazer b/c my money was going elsewhere. IN those 3 years I bought Trucks, a plow, New trimmers, Blowers, Advertisning, Hired employees, etc. If I didn't grow sure I could have paid it off in a few months, but when your growing you need financing so that you can use your money elsewhere. Today I could probably pay cash for a new machine If I really needed one. it all depends on what you goals/motives are. Esp. if you have a family & home you mnay not have the cash just to oay everything off in one year. Mortgage, kids, new truck mowers etc., you might have to take a few years to pay off just to keep you cash flow free for other bills.
Chevy trucks, Exmark Lazers, enclosed trailers.