I've been in the business for 15 years now and on my own for 7. I think I'm ready to jump to the next level but I need some financial help. I was going to approach my bank and request a small business loan to purchase some new equipment to expand. Right now I work by myself and I take care of on average about 60 FT yards during the growing season. I do everything but chemical apps and large install jobs. Those are subbed out or other companies are recommended. I would like to add about 40 more accounts and put 2 guys to work so I can concentrate on advertising and growing. My current list of equipment stands at 2 trucks (97 and 99 F250s) 1 48 inch WB 1 36 inch WB 2 trailers ( 1 single and 1 dual both 14 footers) 3 trimmers 1 aerator 1 verticutter 2 spreaders 2 hedge trimmers 2 chainsaws 1 push mower 1 BP blower I would like to sell the older truck and one of the trailers but keep everything else. I would then like to add: 1 52 inch Stander 1 dual axle trailer 16 foot long 1 BP blower 2 hand blowers 2 trimmers 1 chainsaw 1 hedge trimmer 1 pole trimmer and some other misc. stuff As far as advertising I was going to do this: 10,000 door hangers 500 postcards to businesses Have the truck I was going to keep lettered T-shirts One other thing I was going to do was get into snow removal but thats something I would deal with at the end of next summer when I can get another truck and a plow. As of now I am running a couple crews for the guy I used to mow for but I really want to start doing it myself. I was going to go to my bank and ask for $20,000.00 to purchase this list of items. I was going to list everything I intended to buy in detail along with giving them copies of my P&L showing that my income has increased every year since I have been in business. Any thoughts or questions? What am I missing? Any input is greatly appreciated.