Equipment Payment Calculator
See an estimated monthly payment for every financing structure — before you apply.
Equipment LoanTraditional financing — you own the equipment from day one and the lender takes a security interest. Interest may be deductible; you depreciate the asset.
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EFAOwnership from day one with a fixed payment and no bank covenants. The most common structure for titled and heavy equipment. You depreciate the asset (Section 179 eligible).
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$1 Buyout LeaseA capital lease: fixed payments, then you own the equipment for $1 at the end. Economically like a loan, often easier to document. Section 179 eligible.
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FMV LeaseAn operating lease with the lowest monthly payment. At the end: return it, renew, or buy at fair market value. Payments are typically fully deductible as an operating expense.
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TRAC LeaseTerminal Rental Adjustment Clause lease for over-the-road vehicles. A pre-agreed residual lowers the payment; at the end you buy, or the vehicle is sold and the difference settles against the residual.
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Try again in a moment, or pre-qualify and we’ll send you real numbers.
Estimates only, for illustration — not an offer, quote, or commitment to lend. Actual rates and terms depend on credit approval, equipment type and age, and documentation. Want a number you can count on? Pre-qualify in 2 minutes with no impact to your credit score.
