01
Budget first
Your payment is the input.
Enter the monthly payment your business can absorb. The calculator works backward to the loan size that payment supports at your chosen rate and term.
Apply for financingAffordability calculator
How much equipment can your business afford?
Start from your budget instead of the sticker price. Enter the monthly payment your cash flow supports and see the financing amount and equipment price it reaches.
You could finance approximately
$70,762
Equipment price up to$80,762
Monthly payment$1,500
Down payment$10,000
Term60 months
Max equipment price at other illustrative rates:
8.00%: $83,97812.00%: $77,43316.00%: $71,683
Estimates are for informational purposes only. Actual rates, terms and payments depend on lender approval and applicant qualifications.
How it works
Shop backward from a payment, not forward from a price.
Most buyers start with a machine and hope the payment works. This tool flips it: set the monthly payment your business can comfortably carry, add the down payment you have, pick a term and an estimated rate. The result is the financing amount that payment can service, plus the equipment price it reaches once your down payment is added. That is your ceiling to shop under.
02
Two ceilings
Financing amount vs. price.
The financing ceiling is what a lender would advance. The price ceiling adds your down payment on top, giving you a practical sticker-price target for shopping.
03
Rate sensitivity
Rates move the ceiling.
The same monthly payment buys meaningfully different amounts of equipment at different rates. The comparison strip shows how your price target shifts at other illustrative rates.
04
Reality check
Estimates, not approvals.
How much a provider will actually finance depends on your business, credit, revenue and the equipment itself. Treat the result as a shopping range, then apply for real numbers.
Important questions
Know what to expect.
How much equipment can I afford?+
Divide your comfortable monthly payment by the financing cost per dollar at your expected rate and term — or just use this calculator, which does the math and adds your down payment to show a maximum equipment price.
How is the affordability estimate calculated?+
It inverts the standard loan formula: the monthly payment you enter is used to solve for the largest principal that payment can amortize over your term at your estimated rate. Your down payment is then added to reach a maximum price.
Should I use my maximum payment or a comfortable one?+
Use the comfortable number. Equipment that only works at the edge of your cash flow leaves no room for slow months, repairs or insurance. Many buyers keep a cushion below their true maximum.
Does the estimate guarantee I can finance that amount?+
No. The result is a planning estimate based on your assumed rate. Financing providers decide actual amounts after reviewing your business, credit, time in business and the equipment.
Financing built into the sale