Equipment Affordability Calculator
Find out how much equipment your business could finance — based on your revenue and what you can comfortably budget each month. Get your estimated range in seconds.
How Much Equipment Can You Afford?
Answer three quick questions for your estimated equipment budget.
This is a rough estimate based on typical equipment financing terms (60-month term, illustrative rate) and general affordability guidelines. Your actual approval amount, rate, and term depend on credit, time in business, equipment type, and lender underwriting. This is not a financing offer or a guarantee of approval.
Want to know how much equipment you may qualify to finance?
Get a real, no-obligation financing quote from EquipCash. App-only up to $500,000, decision typically within 24 hours, and applying won't impact your credit.
Get a Financing Quote →Want a real financing quote?
The calculator provides an estimate.
Get a financing option based on your business and equipment.
No obligation · Won’t impact your credit · Decisions typically within 24 hours
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Keep planning your equipment purchase — or move straight to an application.
How the Equipment Affordability Calculator works
This Equipment Affordability Calculator estimates how much equipment your business can finance based on two things: the monthly payment you can comfortably afford, and your monthly revenue. It works backward from your budget to show an approximate equipment price range you may qualify for.
How much of my revenue should go toward an equipment payment?
A common guideline is keeping total debt payments — including equipment financing — within a healthy portion of monthly revenue so cash flow stays comfortable. The calculator flags when your target payment is a high share of revenue, which lenders also watch closely. Staying within a reasonable ratio improves both your approval odds and your business's financial health.
What determines how much equipment I can finance?
Beyond your budget, lenders look at time in business, credit profile, the type of equipment, and your revenue and cash flow. Equipment financing is often easier to qualify for than other business loans because the equipment itself serves as collateral. Many EquipCash lenders offer application-only financing up to $500,000 with no financial statements required.
Does using this calculator affect my credit?
No. This calculator is just an estimate — it doesn't pull your credit or submit anything. When you're ready for a real number, you can apply for a financing quote with no impact to your credit to apply.
What if I have limited time in business or challenged credit?
You may still qualify. EquipCash works with a network of lenders that finance startups and challenged-credit borrowers — evaluating cash flow and the equipment value, not just a credit score. Strong monthly deposits often matter more than a perfect credit history.