This is my 3rd OFFICIAL year going into business. All 3 years have shown a profit. I am 20 years old, and my business has been very successful so far. I have a great credit score, just not a long lengthy history. I have about 70,000 in liquid assets, with about 10,000 in liabilities. I pull a 7.5x18' 7k Holmes Landscape Utility Trailer ALL WITH A 2000 CHEVY 1500 SILVERADO 4.8L. This truck is NOT going to make it but two months max this year pulling this equipment. I have been laying low with growing because I have had to save for months and pay for equipment out of cash pocket, and I have a great set up, just a poor embarassing truck that can't fulfill our company. My parents have helped me a lot and have co-signed for when I purchased two toro z master diesels in the fall of 08 for 23,000, I have paid it down to between 9k-10k. My parents credit are tied up, and I REALLY need an F250 diesel for around 12,000. I have applied at a few banks, they said to them because of my age and the available credit I have on my Toro account, that comes back as a negetive because I have an available $13,000 credit limit and not a long credit history other than all payments have been made about a third more than the minimum payment. It made no sense. They said it used to be policy to have atleast 3 years of tax returns, but they said because of the govt cracking down on banks they have changed policies to min. 5 years. It's not like we can't afford a truck payment. DOES ANYONE KNOW OF ANY LENDER THAT LOOKS AT THE FINANCIAL SITUATION AND NOT JUST A CREDIT HISTORY??????????