Tag

appraisal

2 insights

Three columns of cash available to a commercial printer. A sale-leaseback of owned presses raises $2.70 million, an equipment-secured refinance raises $2.16 million, and a loan sized on last year's earnings raises $600,000, against equipment appraised at $3.6 million.

The Presses Are Paid Off. The Business Is Short of Cash.

A commercial printer owns $3.6 million of appraised equipment and can borrow $600,000 on last year's earnings. A sale-leaseback on the same presses raises $2.7 million, at $69,800 a month and $650,000 of total cost.
Financing StrategyBorrower Advisory
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Two lines of cumulative cash out over 36 months. A used excavator at $200,000 takes more cash every month for two years and is paid off at month 24 at $218,686. A new excavator at $400,000 starts lower, overtakes the used machine around month 28, and is still being paid at $6,312 a month.

The Used Machine Cost Half as Much. It Costs More Every Month.

A ten-year-old excavator at half the price of a new one needs $16,000 more at closing and $467 more a month. Older equipment finances on shorter terms against lower appraisals, and the listed price shows neither.
Financing StrategyBorrower Advisory
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