I have noticed alot of questions about home owner mowers for use in this industry. They say that they cant afford anything else. I understand not having the cash to pay for it upfront; however, alldealerships have financing. If you price yourselves right you should be able to make the minimal payment each month and with good marketing and quality work you should be able to get enough accounts to pay it off within the first summer. Monthly payments on my Ferris was 276 per month for 36 months. I went out and got my self a commercial acount worth 150 per cut with a minimum 30 cuts so my machine got paid with that account and the rest of my accounts goes towards other items such as overhead, maintanance, profit, expansion, etc. Just make sure you put enough away in the bank to make it in the winter months and you will be fine.