as you know, but when I opened up my clinic I was in the red for a very long time ( the clinic I mean) due to all the equipment expenditures. I paid it off as quickly as I could but still it was at least a few years. I don't think you'll find it is a problem for the business to be in the red..not sure of the advantages...but really that is a great offer for the computrainer and a really worthwhile investment for you.