I suppose it depends on how deep your pockets are and how averse you are to debt. Some will take on a little more, some less. I've always paid for smaller equipment in cash - less than $3 K. Case by case over $3 or $4 K on financing. And if I do, it's usually because in April I don't have the money I do in July. So I try to pay it off in 8 months. But that's a cash crunch on cash flow - so you have to be careful not to put yourself back by "stealing" money from your working captial (float in your bank account). I've also personally loaned the business money to buy equipment - and pay myself back on better terms than what an equipment company will do for you.