How did everyone finance their equipment when you started or needed to replace aging equipment? I was lucky when I started because everything I had was paid for and anything that I have had to replace was paid for with cash, insurance paid for many items destroyed by a tornado several years. Other items like trimmers, edgers, blowers and sprayers were paid for with cash on hand. I have to update my ZTR (which will be the back-up once I get a new one) and will also need another new Honda Hydrostat 21" (HRC216 costs about 1k). I have a full time job and only do this part-time. I recently bought a new house and a new vehicle for my wife but prior to this never used credit, so I have to build up a good credit rating. I think lenders are not as strict on home and car loans they can use against the loans, but I assume mowers depreciate much faster than an automobiles do. How did you finance? Through the dealer or at a local bank?