Construction Equipment Financing Calculators
Model loans, leases, lease vs buy, and ROI for excavators, skid steers, dozers, lifts, and more.
Equipment Loan Calculator
Equipment Loan Calculator
Calculate monthly payments, total interest, and see your complete amortization schedule.
$
$24,000 (20.0%)
8.50%
60 months (5.0 years)
Loan Summary
Loan Amount
$96,000
Down Payment
$24,000 (20.0%)
Loan Results
Enter equipment details to see loan calculations
Equipment Lease Calculator
Equipment Lease Calculator
Calculate lease payments using factor rates, residual values, and end-of-lease options.
$
2.800% (5.6% APR equiv.)
Factor rate is the lease cost per dollar of equipment value. Lower is better.
36 months (3.0 years)
$42,000 (35.0%)
Estimated equipment value at lease end. Higher residual = lower payments.
Lease Summary
Equipment Cost
$120,000
Residual Value
$42,000 (35.0%)
Factor Rate
2.800%
Lease Term
36 months
Lease Results
Enter equipment details to see lease calculations
Lease vs Buy Calculator
Lease vs Buy Comparison
Compare equipment financing options side-by-side to make the best decision.
$
Loan Options
$24,000 (20.0%)
8.50%
60 mo (5.0 yr)
Lease Options
2.800%
36 mo (3.0 yr)
$42,000 (35.0%)
Quick Summary
Equipment: $120,000
Loan Amount: $96,000
Residual: $42,000 (35.0%)
Enter equipment details to compare financing options
Equipment ROI Calculator
Equipment ROI Calculator
Calculate return on investment, payback period, and revenue projections for equipment purchases.
$
$
$
60 months (5.0 years)
Profit Summary
Monthly Profit
$12,000
Annual Profit
$144,000
• Revenue: Income generated by using this equipment
• Expenses: Operational costs (maintenance, fuel, labor, etc.)
• Analysis shows equipment's financial performance over time
ROI Analysis
Enter equipment details to see ROI analysis
Construction Financing Tips
- New equipment typically qualifies for longer terms and lower rates than used.
- Factor rates in leases are not APR; use the tools to compare true total costs.
- Include maintenance, fuel, and operator costs when modeling ROI.
Construction Equipment Financing: Complete Guide
Construction equipment financing is typically structured as a term loan or lease. Rates vary by credit profile, equipment age, and term length. Use our calculators above to model monthly payments and total cost.
What Impacts Your Rate
- Business time-in-operation and credit scores
- Loan-to-value (LTV) and down payment
- Equipment category, age, and resale strength
Best Practices
- Match term length to useful life and project pipeline
- Pre-qualify with multiple lenders for rate/term comparison
- Factor in maintenance, transport, and insurance in ROI