Move the sliders. The range is what a deal like yours tends to price at across the programs we use. It is an estimate for budgeting, not a quote.
Payments assume a fixed-rate equipment finance agreement with level monthly payments and no documentation fee. Real offers depend on the funding program, full credit review, equipment condition, and down payment. Section 179 figure is the financed equipment cost up to the federal limit; confirm with your tax preparer. Not an offer or commitment to lend. Seeing your actual options starts with a soft credit inquiry.
How to read the number
The range is the point. A 680 score with two years in business and a dealer machine sits near the low end. The same score buying a 12-year-old machine as a start-up sits near the high end. We show both so nobody is surprised.
Down payment moves the payment more than the rate does. Ten percent down on $85,000 takes roughly $200 a month off a 60-month payment. It also opens programs that would not otherwise look at a start-up.
Longer term, lower payment, more interest. Going from 48 to 72 months on a $100,000 machine cuts the payment by roughly a third and adds several thousand in total interest. Match the term to how long the machine earns, not to the lowest number.
Rates by tier, what we actually see. Strong files in the high single digits to low teens. Mid-tier credit in the low to mid teens. Story credit and start-ups in the high teens and up, sometimes into the twenties on older equipment. The lender decides, not the calculator.
What is not in the estimate
- Documentation fees, typically a few hundred dollars, disclosed on the paperwork.
- Sales tax, delivery, and attachments, which can usually be financed on top of the price.
- Seasonal, deferred, or annual payment structures, which change the schedule but not the total much.
- Fair-market-value leases, which run lower per month because you are not paying the whole machine off.
