FINANCING PLANNING TOOL

T-Value financing calculator

Review payment structure, fees and cash at signing.

Use this payment-planning tool to explore the effect of fees, advance payments and a lease-end amount. Review the periodic payment, amount due at signing and final obligation together.

Use the calculator ↗

T-Value Calculator

Quick payment calculator for equipment finance brokers

T-Value (Payment)
$0.00
× 0 monthly payments
Due at Signing
$0.00
Upfront amount
Total Cost
$0.00
All payments + buyout
1
Deal Information
Net Amount to Finance $150,000.00
2
Fees
Additional Fees (optional)
Total Financed Amount $161,250.00
3
Payment Structure
Due on Signature
Down Payment $0.00
Non-Cap Doc Fee $450.00
Security Deposit $0.00
Large 1st Pmt $22,500.00
Advance Pmts $0.00
Total Due at Signing $22,950.00

Payment Schedule

Amortization breakdown

# Payments
60
Total Interest
$0
Total Principal
$0
Grand Total
$0
View Full Schedule
Swipe left/right to see all columns
# Type Payment Interest Principal Balance

T-Value refers to the regular monthly payment amount in an equipment lease or finance agreement. It's the core number brokers need to quote deals.

This calculator uses standard present value methods to compute payments, matching industry-standard tools like TimeValue Software.

Capitalized Fees (Doc Fee, Broker Fee) are added to the financed amount. The lessee pays interest on these.

Non-Capitalized Fees are paid upfront at signing and not financed.

Broker Fee can be % of asset cost or flat dollar amount.

Large 1st Payment: A bigger initial payment that reduces the financed balance and lowers monthly payments.

Advance Payments: Payments collected at signing. "First & Last" is most common.

$10/$1 Buyout: Nominal purchase options — effectively a finance agreement.

Disclaimer: Estimates only. Actual terms may vary based on credit, lender requirements, and market conditions. Verify with your funding source.

*All amounts in Canadian dollars. Estimates only—this is not a financing offer or approval. Taxes (GST/PST/HST) NOT included.

Start with consistent inputs.

Prepare your figures

Use current records and one measurement period.

  • Asset cost, contribution, rate and term
  • Capitalized and upfront fees
  • Advance payments, deposit and buyout

Test a second scenario

Change one important assumption at a time.

  • Keep the remaining inputs comparable.
  • Try a less favourable case as well as the expected case.
  • Save the assumptions alongside the estimate.

Check the scope

Read the tool’s labels and exclusions.

  • Confirm the currency and time period.
  • Check whether tax, fees or deposits are included.
  • Use the actual proposal when it becomes available.

What the result can—and cannot—tell you.

  • A fee added to financing can affect both principal and financing cost.
  • A refundable deposit is different from a payment or down payment.
  • Confirm tax, timing and fee treatment in the written proposal.

This tool provides an illustration using the inputs and calculation method shown. It is not a financing offer, approval, valuation or individualized tax advice. Actual agreements, timing and costs may differ.

Questions, answered.

Does this result mean I qualify for financing?

No. The calculator uses the figures supplied; it does not review an application or determine eligibility. Approval, pricing and conditions require a separate review.

Can I use the result as a quote?

No. Treat it as a planning illustration. A written financing proposal may use different assumptions, fees, payment dates or product terms.

Which currency should I use?

Follow any currency stated in the calculator and use the same currency for every input. The tool does not establish an exchange rate or convert a Canadian estimate into a U.S. quote.

Are tax and fees included?

Only rely on items explicitly included by the tool. Check upfront fees, deposits, taxes and end-of-term amounts separately. Tax assumptions should be reviewed with a qualified adviser for the applicable jurisdiction.

Why might two calculators give different answers?

Definitions, compounding, payment timing, rounding and included costs can differ. Compare the assumptions and calculation method before comparing the result.

What should I do after estimating?

Save the assumptions and compare the result with current records or a written proposal. If you are exploring financing, share your business location, purpose and amount requested with Mehmi.

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Explore the dedicated broker program and discuss how you prepare and submit financing opportunities.

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Financing is subject to application review and approval. Availability, costs, terms and documentation vary by business, product and location. This page provides general information and is not a financing offer.