The Truth About My Lawn Care Equipment, Financing VS. Cash

If you are just joining my journey, you might not understand how I have built my business and structured my life. I hate debt, I do not want to be tied down to a monthly payment for more than my mortgage. I am just trying to help out some younger guys to not get stuck in shiny things and not be able to use your income to grow your business and wealth!
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B & B Lawn Care provides weekly lawn mowing for residential and commercial customers. Striping properties near Kansas City, Liberty and Gladstone in Missouri.
We understand you have a busy lifestyle! When you are a weekly client, you will come home to a well manicured lawn. Not home when we show up? No problem, payments can be made weekly or monthly. We can have you set up FAST, EASY and have your property in tip top shape!
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Commercial Equipment:
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John Deere
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[@cutandcleanwi6947]

Cash or 0% financing for me. As a newer company that is expanding fast I’ve buying more new equipment but only at 0%. Most equipment that I fiancé I have the cash for but it is easier to budget payments. Keeps cash available for break downs and such.

[@dominiclobaza1752]

Cut and Clean WI exactly couldn’t have said it better mysef

[@jillandersen3414]

As the mother of an 18 year old entrepreneur (lawn business and drone business) who was getting ready to buy a new pick-up, against his parents and grandparents advice, I want to thank you. It was after listening to your podcast that he made the decision to keep his slightly older but well taken care of truck. I listened to what you had to say today and couldn't stop nodding my head and agreeing - exactly what we preach to him, but coming from parents it sounds like a lecture and therefore isn't heard. Keep up the good work - your generation needs more like you :)

[@bblawncarekc]

Jill Andersen hey, thank you for the comment! He will be happy with that decision! Remember there is ALWAYS going to be a new truck to buy. It’s being patient and waiting till you buy that truck cash!

[@dblood8529]

Jill Andersen thanks for sharing. Your boy is lucky to have a mom like you. I hope knows that!

[@Contendforthefaith1]

Good video, buddy! I’ve been on a Dave Ramsey binge since this year and am trying to follow his principles in paying off my debt and building up my emergency fund after. When I see some of these guys comments, it just reminds me when he talks about getting advice from broke people. This guy knows what he is talking about and is a multi millionaire. Everything in my lawn business I have bought with cash, with the exception of my mower. It’s my next thing to pay off in my snowball though. I don’t like debt and paying everything in cash is definitely the wisest thing. It may go a little slower with growth. But with lots of debt come a lot of risk because if you have a down month, you still have all the payments. That’s how businesses fail!

[@DoyleBros03]

Ernestly Contend for the Faith smart!

[@josephmorgan4108]

#babysteps

[@hometurfco]

Cash only is very risky. Once you run out of cash, good luck getting a loan. I think you need a healthy balance of both.

[@lordrichard8184]

The nice thing about used machines is you learn how to do repairs and maintenance. And you get good at fixing things. Sometimes it’s better to buy new then to keep fixing equipment even if it means financing. Perfect example. My truck would break down every 3-6 months. Sometimes leaving me stranded. Had to get a new vehicle to replace it. Fortunately had the cash to do it. But it was like making a car payment with all the repairs. And the added hassle of breaking down while on the road.

[@elc7795]

You're on the right track. Here it comes... buuuut, you should finance some equipment, only if you have cash in the bank to cover it and it has 0% financing. Two major points: first, instead of using you own money use the banks and use the money you have to earn interest. Second, put it under your business name so your business earns credit. Even though you are an LLC your business can still establish credit for future expansion aka with suppliers so an employee can put supplies on an account instead of having a card. I 100% agree with paying cash as much as you can, but for expansion it takes credit to build your business. The most important thing about gaining and using credit is making your payments on time and make sure you have enough cash on hand to pay for the equipment before you apply for credit. Cash back credit cards can be a great tool ONLY if you have the cash on hand to pay them off before you charge a dime.

[@Green_Industry_Guy]

Eshelman Lawn Care You’ve been lied to. Horrible plan.

[@genarobonilla9036]

But also keep in mind that there is something extra you have to keep control over , whine you have many other things to worry about, once you pay in cash is out sight out of mind , Plus it may look like you don’t grow quickly enough , You have to learn how to manage debt Like you don’t have enough to manage. Already In a small business That’s my experience obviously others can manage many things including debt better

[@yodaddy4944]

At 0% payments are the exact same as putting the money away to buy it cash, the upside is that it builds credit and you get to use the machine immediately

[@bblawncarekc]

Yes and no! It’s just 2 different mindsets!

[@lucasbonilla3964]

Cash cash cash!!!! Is King yes sir ! When you finance you make money for them too , have an emergency fund for the business as well for expenses that can be your credit . I do the exact thing I do . Good job man

[@cjslawncare2538]

Great video Blake I’m on the Dave Train. Will be paying off all my debt at the end of the season gonna be a great feeling. Yeah I almost financed a new truck dump trailer and mower but was listening to Gary V podcast about staying patient and will be growing the business debt free. Less stress ! Keep up the great work

[@TheDstein58]

I understand your strategy and agree to a point. If you want to grow and scale, at some point you will HAVE to borrow/finance money. For instance if you want to get into snow removal, how many years would you have to mow to make enough to pay cash for a 30k skidsteer or plow truck while still maintaining lawn equipment. If you are satisfied being a mowing company your strategy makes 100% sense.

[@Green_Industry_Guy]

TheDstein58 I have 125,000 in the bank, you sure you still HAVE to? No debt

[@TheDstein58]

@@Green_Industry_Guy I respect that, but how long did it take you to get there? If you want to add another crew, theres a truck, trailer, couple trimmers, couple mowers, and all of the smaller things. That 125k wont last long. If you want to do landscaping, a small skid (35k), dump truck or dump trailer (10k), 3/4 or 1 ton truck to haul it (25k), plus payroll and winter savings if you don't do snow removal. Revenue that you can make off that equipment for example vs mowing is far greater.

[@robertbrandstetter4924]

I agree paying cash is good in certain situations, but I've learned that if you can use opm(other peoples money) to your advantage, alwayssss do that when you have decent cash coverage.

[@featheredcoyote5477]

Gary V and Dave Ramsey are some excellent mentor's!

[@ronnrogers9459]

I say like I've always said start small and just grow your business year after year and be patient stay disciplined avoid getting in debt

[@logdon17]

Smart man Blake. You are very smart to prepare for the inevitable downturn and position you and your company to survive. Ive seen a couple guys on KZbin seemingly living large in this industry with little regard as you so well put it "one of the first things people cut out".

[@brettelmerelmer3061]

I've seen so many people get into lawn care, financing the pickup, financing the trailer, financing the mowers...get out of it the next year, selling everything for whatever they can get for it because they feel like they're working for free. I bought a lot of stuff for cheap from people like that, some needed repairs, most didn't. The stuff that needed repairs was still under warranty for the original owner but they were so disgusted with working for free they sold it as is where is, and using those things at the end of my own shirtsleeves, I fixed it and still use it.

[@lawnman3638]

Your strategy only works to a certain extent. Nearly all large companies have financed equipment and taken on debt along the way. Also, used equipment is a no go for me in most situations. Warranty coverage and loaners from the dealer is priceless.

[@Green_Industry_Guy]

Lawn Man you’re wrong x a million

[@TheGav0071]

Great vid dude. Nice Dave Ramsey reference. CASH IS KING. Time for a plasectomy!!!

[@donscurry163]

I have to agree with cash is king to a point. Everything I buy for my business comes out of that account the only payment I have is my truck. I keep being told I need a Dun & Brad street number in order to get credit for my business. I was told don' worry about the D&B number. What I cant understand is I have been in business 3 years and this year so far I have brought in 35,000.00 but the bank account shows 5,000.00. I am trying to cut cost back I do my own repairs. Do you deposit cash customers or just use that for expenses?

[@andyslawnsheretoserveyou2041]

I've been in business for last 2 years and I refuse to borrow money for any of it thanks to Dave Ramsey keep up the great video👍

[@cryptoglenn]

Dave Ramsey uses debt

[@juanadorno7228]

Cask is king you don’t owe nothing to anyone and it’s yours that’s the best advice

[@emiliodiaz6057]

I agree with your philosophy. I have owned my company for over 4 years now, my only business expenses are a Truck Payment, business insurance and operating expenses like fuel and repairs. If I cant buy my equipment cash I wont buy it. I cant see the point in paying installments on a new shiny mower when a mower with some patina will do the exact Same job. Right on

[@toddharris928]

I feel the same way about the economy. Pay your stuff off fast. My truck is 16 years old. The clear coat is bad but Im about to do my own Raptor bedliner over the whole truck to spruce it up

[@davetires7300]

Great advice 🤓 I paid cash for my Jaguar & truck,enclosed trailer & zero turn & other equipment,I work Full time & do lawn care

[@andrewwoodham4336]

I completely agree with everything. I am so happy that I paid cash for everything and some people just don’t understand how incredibly smart it is to pay cash.

[@Chillaxin202]

thankyou blake you probably just saved my business

[@dblood8529]

Super thumbs up. I have a lot more respect for this young man. Best of luck to your business.

[@Epicgarbagecollector]

You nailed it on the video! Great advice for a young business owner like myself, thank you.

[@omarm9944]

When you made this vid Covid wasn't here as it and look back now. Well said man all truth.

[@CNKCLAN2]

Paid cash for everything except my Deere stander and financed it. Its taken me a year to pay off but I'll be debt free on my business in a couple of months. I've tried to pay for everything on the spot so you don't have to worry about anything. I'd only finance if I knew I was going to have the work to pay for it and it would help me jump ahead.

[@YourFrienjamin]

Fantastic video! I am a 26-year-old Australian with a bit of anxiety, but I know I'd have more anxiety financing for my small business.

[@coastalturf5275]

Man I love cash. Credit holds you back. It may mean you have to slow down growing but it's worth it in the long run. I'm a big Dave fan. Much respect to you brother.

[@firestones4seasonlawncare509]

Great video Blake you nailed it, I'm your age and have paid cash for everything from day one besides my home which I'll have that knocked out next summer. Sounds like Jason ambro and Alex nickens have the same mindset and look where there at. Hard work go's along way as you already know, keep up the good work Blake. 👍

[@firstname6208]

90% of people do not know the difference between an asset and a liability. Borrowing to buy an asset is ok if the price is right. Borrowing to buy a liability is never good unless you are the bank.

[@5.3david17]

Or instead of taking out 10g’s and paying cash you can spend $300/month and pay of your equipment slowly and still have your 10’g’s in the bank I mean what’s $300 now a days

[@justingreen7274]

You got a good point people need to know how to fix their own stuff

[@emiliogarza6163]

Thank you for this dude.. seriously I have been on the fence if I wanna finance a new mower it just buy in cash used!

[@bblawncarekc]

You can’t go wrong the cash route

[@lawnman3638]

Just financed a 52 in. Ferris walk behind @ 1.99% with $140 per month payments starting next April. If you can't make a payment that small then you shouldn't be in the business. When starting up, cash is important to have for other things besides equipment.

[@greg43207]

U were right about the economy crashing!

[@tannersteinborn7487]

Great advice. I'm about to make 55k in business purchases all cash at 19. 35k of that being a truck. It can be done

[@andrewlynn5323]

Dude, I am in KC also! Blue Springs!

[@tom519az]

Everything goes on Amex. I use their money for next to nothing. If they don't take that it goes on a different card and It gets paid for monthly.

[@floridalawncareexpertsllc2817]

Yeah but when your dropping 10 15 k here and there your killing your cash reserves. I say use cash on some things where its not reducing your savings so much. Play with someone else's money while you keep building your cash. Until you have enough where 10k is a drop in the bucket

[@floridalawncareexpertsllc2817]

But have the cash to back it up. As you reduce the overall owed pay its a smaller band aid. Build credit and savings.

[@RedRockMaintenance]

I always save up and pay cash. Even when I bought my business and the equipment that came with it didn't work, we scraped up all our money and got us a new mower. Never finance. You will pay more for it.

[@trevorschwartz9529]

This video aged well, awesome video!

[@bblawncarekc]

When the economy is good you can never get too comfortable!

[@alexlane2130]

I wish I never financed, I have 6 mowers 2 trailers, 1 truck all on financing along with paying insurance, 5 employees, I payed cash for the other trucks but I still wish I paid cash for the rest, what it did was forced me to increase my prices due to having high monthly payments

[@lawnman3638]

You probably wouldn't have the revenue that you do if it wasnt for the financing. Be patient and it will be worth it eventually.

[@davewave2d2]

Major key is to live within your means

[@evank7444]

Nice video Bake. Cash is always the best solution, because a 10,000 dollar mower would turn into a 12-13,000 dollar mower if you finance it, because you have to pay interest.

[@bblawncarekc]

EDK Landscaping exactly

[@Kushert]

I've been getting my mowers for 0% for years at John deere and at kabota. Got my tx1000 toro dingo for 0% too

[@MMMitchDrive]

This is Nonsense 😂 with one employee, full time mowing easily .makes $1000/ day . It's whosaley Stupid to spend ALL your cash on a mower and have nothing for all the emergencies that are definitely going to come up. Also 0% financing is a thing. If you have 10,000 cash you can make 300/ month payment. So what's the upside to working just to pay cash for a mower? Also also , used commercial equipment is a crap shoot. Downtime will kill profit. Plus it's worth the tax deduction for buying new equipment. Nonsense I say 🤦🏾‍♂️

[@ronnrogers9459]

This dude spoke a lot of Truth

[@jeanboulouffe5193]

I'm surveyor, got customers but u are right, save money to pay cash directly. I just do the same for a new station 20000€ cash, i can pay it coz i save money for that. i'm in the same situation pay for my house etc, for everybody don't spend money for nothing.

[@colestaples2010]

Used equipment costs too much money in parts. I am lucky that this year rather then dumping a couple gs into my walk behind. I'm getting a zero interest loan for a vride2. It will add very little stress to my life

[@FrascinoLawncarePoweredByScag]

0% financing on these zero turns were awesome. I think Sheffield the loan company finally did away with it.

[@jimmyfunyak1320]

FrascinoLawnCare they still do it.

[@lawnman3638]

I just financed a 52 in Ferris walk behind @ 1.99% with $140 per month with payments starting next April. It's pretty much free money when the rate is still close to zero and I can make the money for payment in 2 hours per month. Better off financing what you can at these rates and applying cash to payroll. Expansion is hard without debt. With that said, stay away from credit cards!

[@trinchezito1383]

Did you also paid cash for the truck? Thats mu fear right now. Getting into debt for a truck

[@santosgalvan6076]

Dude All my equipment I’ve gotten has been older and used. Never financed any equipment. And I have become better at fixing equipment.

[@Livingwater86]

👏👏This video is the secret to successful business. more video!

[@chadfleming8234]

Great Rant!!! Everything you said is spot on. You can apply what you said to just about anything financially. Well Said!!

[@bblawncarekc]

Chad Fleming thank you!

[@adammiltongreen5990]

Its harder to get credit now a days then say back in 2006 the banks really try and limit there liability especially when you own a business and are young especially on a equipment because they have less control over say a car

[@dnariowalton4267]

Thank you!!! for the advice my man!!!

[@scorchearthmf2634]

Only reason using cash now is ok because time as change on buying a house. Sorry but I was a bartender and hotel and retail manger for 16 plus years before going to lawn care. In the eary 2000s . When you want buy a car or house back then the bank told me have no credit, not bad credit no credit. Only problem with your way is have seen friends fail and got injured or divorced . Living on just cash is not always the best way to go. Because things can happen and if you have no cash you can't pay for anything with no credit. You should always have a second option. Very put all your eggs in one basket. Going cash is great but having credit on a business is always better. I did everything with cash in my first 2 years but have triple my business and profits. I went to credit using peoples money to make money is always smarter.

[@bobkeeler5964]

I ONLY finance a mower when I have at least 1/3 of the total amount that I put down when buying and if I am getting a 0% financing plan. I would NEVER finance 100% of the cost of a mower (especially $10k or more with interest).

[@logdon17]

Dude, nothing wrong with credit cards as long as you pay every month. Hell it is the smart move since you build credit and get benefits. The only idiots are the ones who rack them up and pay the monthly minimum.

[@yodaddy4944]

logdon17 except when something goes wrong that effects your income and your still responsible for paying your monthly obligations, I made $75k a year as a mechanic and shattered my hand falling down some stairs, couldn’t do my job fast enough an got fired, happened outside of work so no workers comp an my state doesn’t have disability benefits, unemployment barely paid the bills. There is no downside to payments as long as your income stays consistent, but when something happens out of your control it becomes a huge negative

[@pikePERSUADER1]

Never charge anything you couldn't buy outright. But do charge things like gas or small monthly costs so you build credit.

[@PipeDiezel]

I paid cash for everything up until i was able to get a credit card with 0% (free money) this year and get a few toys that make life so much better.

[@ondageauxlawnmaintenance2810]

Good info

[@peterkroeker753]

Yeah DR filed for bankruptcy so it's kinda hard to.take financial advice from someone who did that

[@aguyandhiscomputer]

Loans - Agree you shouldn't get yourself in debt but if you spend that $10k right away, you have no emergency fund. You won't be able to pull money out of a paid off mower if you need it. Credit cards: I would have one just for work purchases of gas, maintenance items, etc. Stuff you do on a regular schedule.

[@bblawncarekc]

aguyandhiscomputer what business credit card do you have?

[@aguyandhiscomputer]

@@bblawncarekc Chase only because we have checking and savings through them. My grandpa started a used car dealership in 1975 and now my dad owns it. I agree it's nice when you get to a position of paying cash for everything. We don't floorplan (line of credit) our vehicles like most dealers do. The interest definitely adds up.

[@housemachine509]

Buy cash always search for a good deal out money aside for slush repairs.

[@trinchezito1383]

I finance with 0% but got cash for. My fear is getting into a truck debt since I don’t have cash for that.

[@matthewcanales6715]

Finianceing equipment no but a truck/ or SUV finance if you have old beat up one it breaks down to much by personal experience after you say truck broke down one or two times a month they will drop u question your reliability of showing up lost 4 people that way in very beginning

[@Green_Industry_Guy]

Btw, were only an 18 month old company.

[@davecampbell1452]

How many lawns do you guys mow

[@jayjack2768]

The only thing I financed was my John Deere QuikTrak... everything else is paid for with cash from the Pawn Shop, Craigslist and FB marketplace.

[@bblawncarekc]

Jay Jack I here John Deere has good financing!

[@jayjack2768]

@@bblawncarekc yes sir I can't complain! When I got mine last year, it was no payments until March I believe, so I had about 4/5 months without making payments. 3 yrs no interest unlimited hours, no down time guaranteed. They will give me a loaner mower for free while warranty work is being done.

[@zvxbruh]

bro osrs yu hell smart bro

[@80BoyMC]

Dave is the man. Cash Is King, #merrlawncare

[@josephmorgan4108]

Cash is king, debt is dumb, and the paid off home has taken the place of the bmw. Sorry, I watch Ramsey way too much.

[@yota87truck]

Looking forward to the credit card video!

[@kpswis9]

Sounds good on paper

[@djlawncare7931]

That what we need to hear.

[@togilli9]

good info man thanks

[@jakeslawnmowing7733]

Best video on KZbin

[@darrensmowing9773]

On the money Blake.. beauty mate 👍👊👌😎

[@adammiltongreen5990]

If you haven't read pro cuts how to fail thread you should deff read it, full of gems, a lot of people will say hes negative and blah blah blah whatever lots of great info in that thread

[@Green_Industry_Guy]

0 percent financing isn’t real. Go look at your statements. There’s a built in fee. I run a half a million dollar lawn maintenance company , all cash, and I make over 200,000. You can’t buy it, you can’t afford it.

[@kyhewheeler283]

I love the intro!!

[@pikePERSUADER1]

You should be charging a small monthly cost like gasoline. It builds credit by doing nothing special and no big loan commitment. Definitely charge small monthly costs.

[@davidgutierrez-aguirre4807]

Feeling worse about my college debt :(

[@bblawncarekc]

Do some research on Dave Ramsey! Get it taken care of

[@trinchezito1383]

David Gutierrez-Aguirre ;( hustle for better days to come.

[@magnacartalawnservice4448]

Great advice

[@kylescottjohnston]

Slippery slope love it

[@danielcondon1607]

I love buying equiptment from guys that are hawking their stuff because they cant make it work. I rock a jd L110 Echo srm 225 and 2620t echo hand held blower old 5x8 trailer 03 s10 xtreme Oh, my husqvarna hu775eh. The only thing i might buy in the future is a zero turn because my L110 is slow. But, its all mine, paid and in good conditions. I take pride in taking care of my stuff. Live inside your means like you said. If you finance something it aint yours!!!

[@johnnyboy190]

Bad leveraging with cash all the time. Finance if you have enough business and good interest rates to justify it

[@ammermanlawns]

That was a good video guess I will re subscribe to your channel,

[@josephriddick6667]

You are right to me.

[@joshsmith7602]

Great video!

[@Ajkendallmindsetmentor]

I think chant is the other side of the fence on this one. He has to have so many payments due each month.

[@mikedierker2381]

I've used credit cards for my business since day 1, but I pay them in full on a weekly basis. Why do I use them? Because I get 3% cashback on fuel, and home improvement stores like Lowe's and HD. The one thing I have to disagree with Blake on is buying used vs new equipment. If you have to choose between buying a used mower or financing a new mower, financing is the lesser of evils. One of my buddies spent 9 months building his lawn care business just to go out of business because his used mower broke down in a bad way. Shops were backed up 2 months during Covid, and he couldn't fix it himself. Then he decides to finance a new mower to save his business, but due to the shortages he couldn't....everything was a 3 month backorder! The way I look at it, you can't afford to buy used equipment....not the other way around. He lost all his customers, his reputation, and everything he worked so hard for.

[@E.L.C.]

0% financing or cash 💸 pay it off in 2 years then sell for 5k and go new again. Credit cards are not the way to go. I refuse to pay to use my own $ same with banks. Tax write off as well. Worse case go bankrupt loose the mower start a new company. Plow during the winter

[@TheTrailblazer1974]

How many full time employees do you have now?

[@fredc.c.2150]

Just paid off my mower last month!

[@bblawncarekc]

Fred C.C. Awesome job!

[@money5934]

Boy you was dead on with that economy though , we are living in those times you were speaking about ..

[@lawnsmaster7391]

cash is king worry one time enjoy long time

[@kevincloonan9787]

So you cant get a loan for a mower but you can get a loan for a house ? You say pay cash for business expenses like mowers but then you got into credit card debt ? !! LOL !! Before you give advise perhaps you should be completely open about everything. If you are running a business then its OK to have business expenses and write offs. If you have a lawn care business then why would you pay cash for a mower when all these dealerships are offering 0% financing

[@bblawncarekc]

Please rewatch the credit card video. I was explaining how people get into so much debt that they can never pay it all off. I am debt free except for the house. Loans for houses are different than loans on equipment. I am not claiming to know everything but I am giving my input to try and help people no matter what their age. I have been able to grow quickly by taking the hit of an equipment purchase immediately and then not have my monthly income become bogged down by a bunch of payments. Sometimes titles may not tell the whole story, and I wanted to explain my point because I was nothing but open in these videos!

[@DoyleBros03]

Anything with a motor goes down in value. Real estate goes up in value! typical millionaires pay off house in 10.2 years

[@bryanisbanioly3165]

Great video

[@ilovegodverymuch8791]

I am buying my first mower with cash straight out