Closing the deal on a zero turn and asked my dealer about his loaner policy if or it needs repair which is going to take some time. Dealer said if you are a commercial user and it cannot be fixed in 24 hours we give you a loaner. If you are consumer user and we cannot get it back to you in less than one week, we give you a loaner. However, if a consumer is in a tight spot (for example, mowing for a wedding) and we have one available, we will give you a loaner even if it is not going to take a week. Being a consumer, not a commercial buyer I responded "Is that because the commercial customer buys more equipment?" Dealer said no, it is based on "need." I scratched my head. He looked at my account and said, you have purchased a lot of equipment here but you don't make your living with the equipment. You are good customer, but you are not going to loose your livelihood without a mower. But a commercial customer, even a guy who has only purchased one piece of machinery from us, is going to loose money without his piece of equipment, so he needs a loaner if the repair is going to take longer than 24 hours. The 7 day rule for consumer is also based on need. At 7 days a consumer's lawn would get behind, so he would "need" a loaner. Makes sense to me.