Business-purpose estimate

Model the payment before the paperwork.

USD · monthly
Cash or trade equity

Estimated monthly payment

$1,517
Amount financed
$72,250
Total interest
$18,793
Total paid
$91,043
12-month payment total
$18,209
Estimate only. Taxes, fees, rates, terms, and payment timing vary. This is not an offer or commitment to lend.
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View monthly amortization schedule

Principal and interest use the same equal-monthly-payment assumptions shown above. The final payment can vary by a few cents because each row is rounded to cents.

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01 · Machine facts

Condition is more than the word “used.”

Record year, model, hours, major repairs, maintenance history, attachments, tire or track condition, and known near-term service. These facts help define the purchase risk and may also affect which provider programs can consider the equipment.

An independent inspection can answer mechanical questions that a payment calculator cannot. Keep that assessment separate from financing eligibility: a program match is not evidence of equipment condition or value.

02 · Complete cost

Model the usable machine, not only the sale price.

Delivery, immediate service, required attachments, tires, installation, and taxes can change the cash needed to put equipment into work. Decide which costs will be paid in cash and which, if permitted by the provider, are expected to be financed.

Planning framepurchase + put-to-work costs − cash or trade equity

03 · Time horizon

Do not let the payment outlive the operating plan.

Compare the proposed term with expected years of use, annual hours, replacement timing, and likely repair exposure. A longer term can lower the modeled monthly payment while increasing total modeled interest and the time a balance remains on older equipment.

Compare five term lengths with the same assumptions →

04 · Transaction path

Dealer and private-party purchases may require different steps.

Before applying, identify the legal seller, equipment location, title or lien status where relevant, invoice or purchase agreement, and who will handle delivery. Ask the provider whether it supports the seller type and what verification it performs.

05 · Provider questions

Confirm what the financing structure assumes.

  • Are there equipment-age, hour, seller, or valuation limits?
  • Can attachments, delivery, or immediate repairs be included?
  • What fees are due at closing or added to the obligation?
  • What payment schedules and first-payment dates are available?
  • What happens if the equipment is sold or replaced before payoff?