T-Value Calculator | Mehmi Financial Group

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.

*Tous les montants sont en dollars canadiens. Estimations seulement — il ne s'agit pas d'une offre ou d'une approbation de financement. Taxes (TPS/TVP/TVH) NON incluses.

Use this free calculator to estimate business loan payments, test affordability based on your payment budget, and compare two loan scenarios side-by-side. It is built for Canadian business owners planning working capital, expansion, inventory, repairs, hiring, and other major expenses.

What you can do on this page

  • Estimate payments using loan amount, interest rate, term length, and payment frequency
  • See total interest cost and total repayment over the full term
  • Work backwards from a payment budget to estimate borrowing power
  • Compare two loan options to see which costs less overall

FAQs

Everything you need to know about how this calculator works, what the results mean, and what is included. If you need a quote or help reviewing your numbers, feel free to contact our credit analysts.
Get in touch
Does using the calculator commit me to a financing agreement?
No, using the calculator is entirely free and informational. It does not constitute an agreement or guarantee approval for financing.
What information do I need for a realistic estimate?
Loan amount, interest rate assumption, term length, and payment frequency.
How is the payment calculated?
Payments are calculated using standard amortization based on the loan amount, periodic interest rate, and number of payments.
What is included in “total cost” and “total interest”?
Total cost is the sum of scheduled payments over the term. Total interest is total cost minus the original loan amount.
What does the affordability tab show?
It estimates the maximum loan amount based on the payment you can comfortably make, plus your chosen rate and term.
How accurate are the results?
They are estimates. Real terms can differ based on your business profile, lender requirements, fees, and product structure.

Disclaimer:
This Truck & Heavy Equipment Financing Calculator is provided for informational purposes only. It offers estimates based on the information provided and current average rates, which may vary depending on individual creditworthiness, lender policies, market conditions, and other factors. This calculator does not constitute a loan offer, lease offer, or approval from Mehmi Financial Group or its affiliates. Please contact Mehmi Financial Group directly to confirm current rates, terms, and actual financing availability. Mehmi Financial Group accepts no liability for decisions made using this calculator.

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