DONT BUY WHAT YOU CANT ******* AFFORD, JESUS DOESNT ANYONE READ A BASIC BUSSINESS TEXT BOOK, EVEN IF ITS MATERIAL CUSTOMERS AND CLIENTS WILL ALWAYS **** YOU EVEN IF YOUVE KNOWN THEM FOR YEARS !!!! I GET 65% DOWN BEFORE I DO ANY BIG WORK. BESIDES SNOW AND THERE ALL LEAGAL DOCUMENTS THAT HAVE TO BE SIGNED BEFORE WORK STARTS The only way i take a loan is if i know that half way threw the season ill be able to pay it off. the hell with credit.