First we're all never going to agree just like a Ford, Chevy, Dodge, Gas vs Diesel debate. But I'll give my thoughts anyways I agree that if someone is offering 0% on something, even with a small fee, why not? Lets say you have $10,000 in the bank and are ready to get some equipment to start. Say you have a truck already but need a trailer, mower, handhelds, etc... Me I try and buy good stuff, not junk. Option 1 - Buy everything with the cash you have and have about $500-$1000 left in the bank. Option 2 - Buy hand helds, small trailer, and "stuff" with cash, 0% on mower and have $6000 in the bank. Lets even take the $175 fee. $5825 I like option 2 because it leaves me with some operating money, income money or "oh no" money. Lets say the truck you have all of a sudden needs repairs to the tune of $2000. Choosing option 2 lets me pay cash whereas option 1 leaves me stranded or actually using a credit card that is subject to 19% (or whatever) interest! I agree no one should finance their life away. But I think having a safety net of cash is more important than blowing the bank just for the sake of paying cash. What I would try to do is have say $5000 in your cash account at all times for emergencies. Say you want to get a new back pack blower that is $450. Once you save that $450 and have $5450 you then go buy that piece and still have your safety net. Now if you started with $15,000 and want to spend $10,000 on stuff then fine but I still would like to have $15,000 for rainy day fun. I mean for a measly $175 it allows you to keep $15,000 (or whatever amount) in your bank account that could earn that $175 back in interest without lifting a finger. Rather than having to build that account back up, which was your personal money, you use the income from your business to pay off your business expense on a monthly basis and can rely on the cash for the "oh no" moments. Whether you pay for a $5000 item in cash or 0% payments it is an expense that needs to be recovered. Just because you pay cash and "owe" nothing on that item doesn't mean it's a forgotten expense. You are still out $5000. You still need to recover that! Especially if it was your personal cash. Because you paid for it, not your business, and your business owes you (which in this case you are the lender to your business). If you are making money hand over fist then this is not even an issue. But c'mon its lawn maintenance and landscaping not exactly a hand over fist business to start up. I like the idea of paying cash and will try to do it as much as I can but if something can make me more efficient, expand my services and/or customer base, I'm going to take a long hard look at financing. I financed a dump trailer (0%) and had it paid off after a few jobs but I look deeper in that saved me time, got more jobs done, put years on my life (not needing to hand shovel debris out of the truck at the end of the day), and my business paid for it. Obviously dont be a dummy and finance stuff that leaves a gray cloud looming over you wondering if you'll be able to get out of it!