Question Author
Thanks for all input - I think I've got it
22a has to be MOHAIR
23d. Although MOWER seemed to be obvious at first - It would make MOHAIR wrong. HEWER also fitted part of clue but not all of it - and would have fitted all other letters.
I believe the answer is HOWER
HOWER is an urban dictionary term for someone who Hoes (as in gardening or operates a hoe - as a hoe is a cutting tool). A variation of the spelling of HOER.
HOWER allows MOHAIR to be correct. It references the part of the clue 'money due' or OWE, and 'him outside' (first and second letters HE).
So although HEWER fits, I believe answer is HOWER
Thanks again