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Business equipment financing cost estimator

Equipment financing is asset-backed, so it usually prices below unsecured loans and lines. Pick the kind of lender and the structure, then move the sliders to watch an APR-equivalent or a money factor become real numbers: the monthly payment, the total of payments, and the financing cost in dollars. Nothing you enter is collected.

Equipment financing cost · educationalEducational market data. Not Trident pricing, not a quote, and not an offer.
Lender channel

Channel sets the price more than credit score does, and because the asset is collateral the whole market usually prices below unsecured loans and lines. A captive or bank deal and an online deal are different markets, so the ranges never blend across channels.

Financing structure

A loan or EFA gives ownership from day one against a UCC-1 filing. A lease sets a money factor and an end-of-term choice. Both reconcile to one APR-equivalent here so you can compare them.

In the securitized record the small-ticket segment averages about $80,000 per financed contract (the sold-price anchor), while an aggregator population figure runs higher near $127,000 with a median about $48,000 (directional). Industry data for context, not a suggested amount and not Trident pricing.

Most equipment financing lands in the 36 to 60 month window, capped by the useful life of the asset.

The market range for a captive, bank, or SBA equipment deal runs 5.0% to 13.0% APR-equivalent, centered near 7.5% (public market data, Jul 2026). Not Trident pricing.

Equipment cost$80,000
APR-equivalent7.5%
Estimated monthly payment Level monthly payment by ACH.$1,934 / mo
Estimated total of payments$92,847
Cost of financing Always shown in dollars. Never hidden.$12,847
End of term Equipment loan or EFA. You own the asset from day one against a UCC-1 filing until payoff, and the payment fully amortizes the amount financed.Own it
How this is estimated The tool treats the APR-equivalent as the cost of the financing and amortizes it over the term as a level monthly payment. Figures are approximate; the signed agreement governs.Approximate
Market context · industry data, Jul 2026*

The 7.5% APR-equivalent sits right at the market center for a captive, bank, or SBA equipment deal.

* Market data sources
  1. KBRA-rated equipment-ABS pools (Post Road 2025-1 and 2026-1, Wingspire 2025-1, SCF 2025-1): realized weighted-average contract yields of about 9.0% to 10.5% on prime contracts (FICO 716 to 761), anchoring the independent-channel center.
  2. ELFA 2025 Survey of Equipment Finance Activity (full-year 2024): industry portfolio pre-tax yield 7.40% over a 4.81% cost of funds, a thin 2.59% spread, with losses under 1%. Anchors the captive, bank, and SBA channel center.
  3. United Community Banks Form 8-K (Navitas, a bank-owned small-ticket platform), 1Q25: portfolio yield 9.70% on a 761 weighted-average FICO book.
  4. John Deere Owner Trust captive equipment ABS (JDOT 2026): blended captive portfolio APR about 4.0%, up from a near-zero 2022 vintage; 0% promotional offers are labeled floors, not the channel center.
  5. SBA 504 fixed equipment money about 6.2% (July 2026) and the 7(a) program cap near 9.75% to 14.75% at a 6.75% base; sets the low and the top of the prime channel.
  6. Small-ticket securitized contract averages (Amur about $79,549, AFG about $81,092 on FICO-747 contracts): the sold-price ticket anchor, distinct from the higher aggregator population figure.
  7. Online and fintech figures rest on aggregator and lender-page ranges only (National Funding, Clicklease, Crestmont); the securitized record is entirely prime and tops about 10.5%, so this channel is directional.

Educational market data with full citations on file in substantiation/equipment-pricing-2026-07.md. Not Trident partner pricing, and not a quote.

Actual amounts, structures, and pricing are set by independent funding partners and depend on your credit, the asset, time in business, and lender channel. Your offer will differ. The ranges shown are industry market data from published sources as of Jul 2026, not Trident pricing. Partner fees, if any, are itemized on the offer itself: ask for all of them in writing.

Equipment is collateral, so it usually prices below unsecured loans and lines, and a loan and a lease reconcile to one APR-equivalent. See the full explainer

How the math works

Reading equipment financing.

A short read on what the estimate is doing, and where the real numbers still come from.

Channel sets the price

The biggest driver of what equipment financing costs is the lender channel, and because the asset is collateral the whole market usually prices below unsecured loans and lines. A captive, bank, or SBA deal, an independent finance company, and an online or fintech deal are three different markets. Only the two prime channels have a sold-price record. Industry figures, not a Trident quote.

Dominant axis

Loan or lease, one APR-equivalent

Equipment financing comes as a loan or EFA, where you own the asset from day one, or as a lease, quoted with a money factor and an end-of-term choice. A money factor is a monthly payment per dollar of cost; it converts to an APR-equivalent given the term, and it is never an MCA factor. The tool reconciles both to one APR-equivalent so you can compare them.

How the math works

Directional where there is no sold-price

The two prime channels are anchored to securitized, sold-price data. The online and fintech tail has no securitized record and rests on aggregator and lender-page figures, so the tool labels it directional and never dresses it as a measured price. The securitized record is entirely prime and tops about 10.5%.

Read the fine print

What this tool does not do

It does not predict approval or partner pricing, and it does not model every fee, residual, or tax effect. It treats the APR-equivalent as the cost of the financing for a clean illustration, so the signed agreement governs. Confirm every final number on the contract.

Educational only
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