BARATELLI CAPITAL
Equipment financing

Rent or own?

If your business rents a machine for part of the year, owning it may cost less. Enter what you pay to rent today and what the machine costs to buy. The calculator finds how many months of use a year it takes for owning to come out ahead.

Try an example (sample numbers, replace with yours):

Renting today

Buying and owning

Choosing a credit range fills in an estimated rate. Larger deals for established companies often price lower, so type your own rate if you have a quote. The lender sets the actual rate.

Renting it out (optional)

Estimated monthly payment
Break-even use

Keep rentingBuy and ownYour months of use
Keep rentingBuy and own

Start a financing applicationCall 904-846-3011

These are estimates for planning, not an offer to lend. Rates, terms and approval come from the lender, in writing. The rates by credit range are estimates.

The comparison does not include taxes. Depreciation on a purchase can change the answer a great deal, so ask your tax adviser. For leasing and the tax side, use the Institute's Equipment Buy vs Lease vs Finance tool.

Baratelli Capital arranges business equipment financing for Florida businesses through its lending partners. There is no fee to you from Baratelli Capital.