Manufacturing Equipment Financing Calculators
Model loans, leases, lease vs buy, and ROI for CNC machines, production lines, packaging systems, and more.
Equipment Loan Calculator
Equipment Loan Calculator
Calculate monthly payments, total interest, and see your complete amortization schedule.
$
$40,000 (20.0%)
9.00%
84 months (7.0 years)
Loan Summary
Loan Amount
$160,000
Down Payment
$40,000 (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.
$
2.700% (5.4% APR equiv.)
Factor rate is the lease cost per dollar of equipment value. Lower is better.
60 months (5.0 years)
$50,000 (25.0%)
Estimated equipment value at lease end. Higher residual = lower payments.
Lease Summary
Equipment Cost
$200,000
Residual Value
$50,000 (25.0%)
Factor Rate
2.700%
Lease Term
60 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
$40,000 (20.0%)
9.00%
84 mo (7.0 yr)
Lease Options
2.700%
60 mo (5.0 yr)
$50,000 (25.0%)
Quick Summary
Equipment: $200,000
Loan Amount: $160,000
Residual: $50,000 (25.0%)
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.
$
$
$
72 months (6.0 years)
Profit Summary
Monthly Profit
$20,000
Annual Profit
$240,000
• 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
Manufacturing Financing Tips
- Package installation and tooling costs into financing where possible.
- Consider productivity gains in ROI modeling, not just revenue.
- Explore Section 179 and bonus depreciation benefits with your CPA.
Manufacturing Equipment Financing: Complete Guide
Manufacturing assets often qualify for longer loan terms due to durable collateral and strong productivity gains. Use the calculators above to compare cost of ownership versus leasing flexibility.
Key Considerations
- Installation, tooling, and training timelines
- Throughput increases and quality improvements
- Preventive maintenance and uptime targets
Best Practices
- Align term with asset life and production forecasts
- Benchmark ROI on productivity, not just top-line revenue
- Use lease options for rapidly evolving peripherals