I am avoiding debt. Saving and buying with cash.
There can be times when it makes sense to get a 0% loan when other criteria's are met.
Problem is income in this business is seasonal. Hard to project that you will make enough money then set it aside so you can make the payments on time through the slow half of the year.
Also no guarantee that you will keep all your customers over the winter and that you will add a lot more the next season as well.
Hoping and wishful thinking has left many people come up short when it is time to pay bills.
I just read a post where a guy has ten customers and wants to buy a $10,000 mower for next year based on that he thinks he will be able to add a lot more customers next year.