jon trauth

Maybe

[jon trauth @TrauthJon]

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[hunter @hxxntrr]

The longest 0% loan in America comes from a tractor company

Kubota will finance a $68,000 mini excavator at 0% for up to 84 months. Then the IRS lets you deduct the whole $68,000 this year, before you've made the second payment

A kid with that machine and a YouTube education charges $1,500 a day to dig French drains for suburban dads. Booked 3 days a week that's $18,000 a month against a payment of $810

Everybody knows Section 179 from the G-Wagon post. The same law works at the equipment dealer. Equipment a business uses more than half the time gets written off 100% in the year you put it in service, up to $2.5 million of purchases. Financed equipment counts exactly the same as cash. You deduct $68,000 in 2026 while owing Kubota $68,000 at 0% until 2033

At a 37% federal bracket plus state, the deduction hands back roughly $28,000 in April. That's 34 monthly payments the government made for you. The machine makes the other 50

Who else runs 0% for years, for a business, on a personal credit score:
John Deere, 60 months on compact tractors and skid steers
Bobcat, 60 months
Toro and Exmark, 48 to 60 on commercial mowers
Ford Pro, 0% quarters on Transit and F-series work vans
Every one of those runs through the manufacturer's finance arm and gets decided by your FICO, your entity, and whether the dealer needs to hit his month

The stack:

Down payment, trailer, insurance and the first two months of fuel go on 0% business cards. The machine goes on manufacturer 0%. The deduction lands in April and pays the cards. The jobs pay the machine. You've bought a $90,000 operation with no interest anywhere in it and a tax refund funding the first year

"0% financing means they marked up the price"

Sometimes. The 0% usually replaces a $2,000 to $4,000 cash rebate. Ask for both prices. On 84 months the 0% still wins by about $20,000 of interest you'd have paid a bank at 9%

What to do before December 31, because the deduction only counts if the machine is delivered this year:

1. Pick the machine you can bill for on day one. Mini excavator, skid steer, commercial mower. Rentable stuff
2. LLC, EIN, business checking. The finance app asks
3. Ask the dealer for the 0% program by name and the down payment on it. Apply through Kubota Credit or Deere Financial, not the dealer's bank
4. Put the down payment and the trailer on the cards
5. Keep a use log. Over 50% business or the deduction shrinks

The dealer wants you in before December 31 for the same reason the IRS does. Everybody's quarter ends

(link in bio if you're 700+. we build the card stack that covers the down payment, the trailer and the first 90 days)

[jon trauth @TrauthJon]

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