Equipment Financing Tools & Calculators

Core Commercial Financing Calculators

Our core equipment financing tools cover the decisions every buyer faces. The Equipment Financing Calculator estimates a monthly payment on any purchase, the Equipment Affordability Calculator works backward from a budget to show how much you can finance, and the Lease vs. Buy Calculator compares the true cost of each structure. The Section 179 Calculator rounds out the set by estimating the tax deduction and net cost of a year-end purchase.

Industry-Specific Equipment Calculators

Industry versions add category context on top of the same engine. Use the Construction Equipment Financing Calculator for heavy machinery, the Semi-Truck Financing Calculator for fleet and owner-operator trucking, and the Medical, Dental, MRI, and Manufacturing calculators for clinical, operatory, imaging, and production equipment. Each returns the same instant Guestament℠ so you can compare financing across very different equipment on equal footing.

About Our Equipment Financing Tools

EquipCash Equipment Financing Tools are a free set of calculators built for business owners who want a realistic monthly payment before they ever talk to a lender. Each calculator turns an equipment price, term, and down payment into an instant Guestament℠ — an informed estimate you can use to budget, compare options, and decide how much equipment you can comfortably finance.

Because every business is different, these equipment financing tools are a starting point rather than a quote. Your actual rate and term depend on your credit profile, time in business, equipment type, and lender underwriting. When your estimate looks right, the fastest way to see real numbers is to request your financing options — it takes only a few minutes and won't impact your credit to start. Equipment purchased and placed in service this year may also qualify for a tax deduction; see the IRS guidance on Section 179 (Publication 946) and the SBA guide to business loans.