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I don't know how it is over there, but in the UK since the credit crisis banks have been useless for lending to small businesses. My equipment is all on asset finance with specialist brokers, bank won't even give me an overdraft without big fees and lots of fuss. When I started out I didnt have...

Excellent post Jim I've done both ways, I think it depends on your mechanical abilities, and whether you have a steady income stream. If you have no mechanical skills then breakdowns are going to cost you time and money,if you don't have a reliable income stream then finance repayments are...