Many businesses fail because of cash flow problems. Expenses are more then income. Whether they can't keep costs down in the beginning or try to grow to fast. To take loans to cover operating expenses without a steady profit flow to pay these loans is just gambling. Gambling that the job won't get delayed by weather, material shortage developing, shipping delays, customer has cash flow problem and pays partial or late or they go belly up because the to have been running their business on the banks dime as well. There are many here that have been in business for a long time and have grown in size. They did this by keeping costs down, staying out of debt, paying for things with cash. This is a business plan for all to follow. Who wants to do a $20,000 job that will take 4 weeks to do, $10,000 for materials and $10,000 for labor? If the customer can't/won't pay for the materials up front, and pay $2,500 after each week for labor, with the final $2,500 is paid when the job is completed. Are you a landscaper or a bank to your customer?