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Old 08-21-2012, 05:12 AM
w0283767 w0283767 is offline
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Yard card and Sheffield generally offer the best terms for
New purchases. Can usually get zero percent financing for up to 48 months. I just did that for my ferris ztr. Just make sure you pay timely or the rate jacks up on you of you go that route.
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Old 08-24-2012, 08:05 AM
LawnBoy0311 LawnBoy0311 is offline
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Originally Posted by w0283767 View Post
I just run my business expenses through my credit card and pay off before grace period ends. I avoid paying any interest that way. Get a lot of rewards points that way as well.
Awesome advice! I can't tell you the amount of free stuff I got. Shop around CC companies too, some have nice deals on points. Bank of america had 5x point offers at one time.
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Old 08-24-2012, 08:54 AM
wandfsmall wandfsmall is offline
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I am sure I am running a lot more credit month to month then a lot of you guys, and for the most part the business is still tied to my personal credit. It is very difficult to get the two separated on a single owner business. I would think even harder when your dealing with smaller businesses such as outdoor power dealers and nursery's as your main suppliers. But to start the process go to dnb.com and get a number to give the businesses you have credit with.

As for personal credit moving credit cards often is a bad idea, another thing you can do is go to creditkarma.com and monitor your credit and use the tools to help improve your credit report. I personally took my score up almost 20 points since I started really paying attention.

As for buying equipment the best programs currently that I know of are from GE capital, Sheffield, and Yard Card. Depending on the mower line and month as they change often.
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Last edited by wandfsmall; 08-24-2012 at 08:56 AM.
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