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).

Dates

Funding / Loan Date

First Payment Due Date

Funding date defaults to today (Mountain Time). First payment defaults to one month after funding (no extra interest) until you change it. Interest for the days from funding to one month before the first payment is added to the balance (TValue normal amortization, 365-day year, monthly compounding). For deferred / step structures the first payment is the first touch / step payment.

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.