JNB Capital — Finance Proposal Calculator

Contacts & Customer

Prepared By (JNB Capital)

Name

Phone

Requested By (Vendor / Rep) — optional

Rep Name

Rep Email

Rep Phone

Customer

Business Name

Contact Name

Contact Phone

Contact Email

Equipment Description

Equipment Cost

Equipment Cost ($)

Shipping ($)

Sales Tax (%)

Sales Tax Amount

$0.00

Override Gross Total (enter a quoted amount instead of Cost + Shipping + Tax)

$100,000.00

Deposit ($)

Finance Amount (Gross Total − Deposit)

$100,000.00

Rates — adjust as they change

Bank Rate / APR (%)

Customer-Facing Rate (%)

Lease Rate (%) — for the lease option

Bank Rate is used to compute the subsidy (the buy-down cost). The Customer-Facing Rate drives the finance payments shown on proposals. The Lease Rate drives the Lease option payments.

Deferred & Step Parameters

6-Month Deferred — touch payment (set manually)

Touch Payment for months 1–6 ($)

3-Month Deferred — touch payment (set manually)

Touch Payment for months 1–3 ($)

Step Payment — first 12 months (set manually)

Step Payment for months 1–12 ($)

Suggested range: — (30% of amortized payment) to — (1% of equipment cost).

Terms & Lease Residuals

Term 1 (Months)

Term 2 (Months)

Term 3 (Months)

Residual 1 (%)

Residual 2 (%)

Residual 3 (%)

Residual % applies only to the Lease option — it's the end-of-term buyout as a percent of equipment cost. Typical guide: 30% at 12/24/36 months, 20% at 48/60 months.

Subsidy / Buy-Down Summary

Proposal	Term	Bank Pmt	Customer Pmt	Mo. Subsidy	Total Subsidy

Total Subsidy = monthly difference × number of regular-payment months. This is the estimated cost to buy the customer rate down from the bank rate.