.png)
Key findings
- A $100,000 equipment purchase finances for $1,966 per month at 60 months for strong-credit borrowers.
- Section 179 allows deducting up to $2,560,000 of qualifying equipment in 2026, with 100% bonus depreciation.
- At a 35% tax bracket, a $250,000 equipment purchase yields $87,500 in first-year tax savings under Section 179.
Monthly payment by equipment price and credit tier (60-month term)
Verification status: Modeled from public inputs.
| Equipment price | Excellent (720+) — monthly | Good (680-719) — monthly | Average (640-679) — monthly | Fair (600-639) — monthly |
|---|---|---|---|---|
| $50,000 | $983/mo | $1,031/mo | $1,092/mo | $1,175/mo |
| $100,000 | $1,966/mo | $2,061/mo | $2,184/mo | $2,350/mo |
| $250,000 | $4,915/mo | $5,153/mo | $5,461/mo | $5,876/mo |
| $500,000 | $9,830/mo | $10,307/mo | $10,921/mo | $11,751/mo |
Computed with the standard amortization formula; these are models, not quotes.
Section 179 first-year tax treatment (2026)
Verification status: Third-party sourced.
| Equipment cost | Section 179 deduction (2026) | First-year tax savings at 35% bracket |
|---|---|---|
| $75,000 | $75,000 | $26,250 |
| $250,000 | $250,000 | $87,500 |
| $1,000,000 | $1,000,000 | $350,000 |
Tax figures apply the published statutory limits; consult a tax professional for entity-specific treatment.
Methodology
Payment models use the standard amortization formula at the midpoint of each credit tier's APR range over a 60-month term. These are worked models, not financing offers.
Tax figures use the 2026 Section 179 limit of $2,560,000 and the statutory bonus-depreciation schedule (One Big Beautiful Bill Act). Statutory limits are third-party sourced from published law; savings projections assume a 35% bracket.
Data window: 2026-01-01 → current
Compiled and maintained by EquipFlow. Figures regenerate automatically from the underlying data store; the last-updated date changes only when the data materially changes.
