Prototypes · EquipmentLoansAI.com · LoanFinanceAI.com · AILoanWizard.com
Lease it, buy it, or leave it in the yard.
Commercial equipment finance turns on two questions. Does the business come out ahead leasing or owning once tax treatment and residual value are counted? And does the machine earn more each month than the facility behind it costs? Both calculations run here on the figures you enter.
Working prototypes for demonstration. They calculate on the numbers you supply — they do not quote real lenders, value a specific machine, or give tax or financial advice. Confirm deductibility with your accountant.
Lease versus buy
Own it or hand it back
RouteMonthlyNet cost over the term
Buy on finance 9.4% · 60 months$2,074$110,096
Lease quoted · 60 months$2,450$110,250
- Amount financed after deposit and balloon$99,000
- Balloon owed at term end$21,000
- Interest paid buying$25,461
- Machine worth at term end if owned$49,000
Buying is $154 cheaper across the term on these figures, because you keep a machine still worth $49,000 at the end.
Cash out of the door if you buy: $165,461 including the deposit and balloon. Leasing costs $147,000 and returns the machine.
Machine payback
Repayment is taken from the finance figures on the left, so changing the rate or term updates this straight away.
Does it pay for itself?
The machine does not cover its finance on these figures — it falls $949 a month short. Either utilisation has to rise above 75%, the term has to lengthen, or the price has to come down.
Lenders typically want the margin to cover the repayment at least 1.25 times before they will write a commercial facility. You are at 0.54.