Equipment decision planning

Model equipment payments, total cost, and the contract end state — EquipCalc

Use verified project inputs to compare cash flow, ownership, fees, and end-of-term duties before you commit.

See my funding options Call a funding specialist

Scenarios are educational and are not a quote or a prediction.

4.9 Excellent · 3,200+ reviews via Big Think Capital
How it works Why this exists
Decision inputs
  • amount financed
  • deployment cost
  • payment timing
  • total obligation
  • purchase option
  • residual value
  • working capital
  • useful life
What we fund

Equipment finance calculation, contract comparison, and project-cost education

Financing options matched to your situation, in one place.

What business owners say

4.9 Excellent 3,200+ reviews on Trustpilot via Big Think Capital
  • This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
    Stephanie Harlan Verified
  • Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
    Josias Ramirez Verified
  • They gave me a chance when nobody else would. I'm very satisfied.
    Harold Benman Verified
How it works

How the money moves.

One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.

1
You
Scope the project
Build the complete deployable cost and operating plan.
2
You
Model the terms
Enter only values supported by a written document.
3
You
Stress-test cash flow
Test slower ramp and disruption cases.
4
You
Review the agreement
Resolve fees, ownership, and end-of-term duties.

Complete inputs

  • Separate asset price from deployment and reserve needs.
  • Label estimates until a verified figure replaces them.

Comparable cash flows

  • Use the same horizon and timing for every option.
  • Show ownership and final obligations beside payments.

Primary-source boundaries

  • Use IRS and SBA sources only for their stated scope.
  • Do not turn program limits into a transaction promise.
Why this exists

Why the usual lenders say no.

Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.

01

Incomplete budget

A vendor quote can omit the cost to put equipment into service.

Build the deployable project budget first.
02

Payment-only comparison

A payment hides fees, ownership, residuals, and end duties.

Compare dated cash flows and the contract end state.
03

Optimistic ramp

New capacity does not create demand by itself.

Stress-test utilization, downtime, and collection timing.
Composite scenarios

What a funded request actually looks like.

Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.

How we label illustrative scenarios →

Primary-source context

2026 equipment financing data

Review IRS, SBA, and Federal Reserve figures with their scope and limitations.

Open the data page Read our editorial standards →
Questions we get asked

Frequently asked.

No. It models the inputs you provide and cannot predict eligibility, price, timing, or final contract terms.