Things happen. Say you buy a 8000 ztr put it on 0% financing through abc company. Spring rolls around you have 10 grand in the bank figuring your going to have the money to pay off the ztr if need be. All of a sudden you ruin a axle of a trailer costs you 1500 to replace and then the transmission goes out of your truck and costs you 4000 to fix. All of a sudden your tax guy comes back to you and said there were some flaws and you owe uncle Sam another grand. Little things add up and all of a sudden all hell broke loose and you missed a payment and your interest rate is now 21%. All that on trying to save 100 bucks of interest. Talk to your more affluent customers and see how they pay. Sure they will all say they have a credit card but most say they pay cash, check or use their debt card for all transactions. To save a hundred or so bucks a year there are more things you can do for your business to come out ahead.