My partner and I started our part-time lawn and landscape maintenance business in February, and we're just curious as to what the opinions are of whether we should finance any new equipment or just save up and pay cash. As an overview of what our mission is and our equipment situation, we're just looking to have 8-10 (small) yards that we cut on a bi-weekly basis; this is a pretty realistic expectation for our situation. I know a lot of our competition won't crank a mower for anything less than a $65 yard, so we've been targeting VERY small yards (1500-2500 sq. ft.) in our own cookie-cutter neighborhood for around $30-$35. We're currently only working with two 21" pushers and an Echo commercial edger, trimmer & backpack blower. We are currently borrowing one of our father's 5' x 8' tilt trailer, which we keep nearly 100% of the time. We can afford to target these smaller yards because a.) we each work full-time and aren't relying on this income in any way; this is more of a "hobby" really, and b.) we really only have the capacity at this point to target small yards. I'm thinking our first purchase might need to be our own trailer, but I'm torn between this a a bigger mower since there really haven't been any conflicts with us borrowing the trailer. A bigger mower (maybe a 36"-48" walk-behind) would allow us to target slightly larger yards in nearby neighborhoods, but we would have the cash for a trailer long before we would a mower at this point. So, my question is, given our brief background, how should we proceed from this point? I'm torn between trying to finance a new trailer & mower and just chipping away little by little and paying cash. We're not looking to build a multimillion dollar business; just a nice vacation every year or so would be nice. Thanks for your input!