Equipment Finance Decision

The monthly figure is not the price — settle whether to own it, then how to pay for it, never in one conversation.

What it is

The equipment decision taken in the right order: whether to own it at all, and only then how to pay for it. Runs the utilisation and availability test that correctly kills half of these purchases, costs every route on one horizon with residual and running costs included, then reads the terms that outlive the price — settlements, balloons, return conditions, guarantees, evergreen clauses. For owners and finance leads signing a multi-year obligation on a machine, a vehicle or a line.

What you receive

buy, lease, hire or don't — the utilisation and availability test that decides whether to own the asset at all, every route costed on one basis over its real working life with residual, maintenance, insurance and cash timing included, the terms that matter more than the monthly figure, the exit and ownership position fixed before signature, and the acceptance test, inspection schedule, utilisation review and diary entry 120 days before term end

Delivered as a single, complete .md skill file — open it, paste it into any capable chat model, and work. No installation, no account with anyone but us.

Supported models

• Claude (Opus/Sonnet)
• ChatGPT (GPT-4o/5)
• Gemini
• any capable chat model

People reach for it when

• “should I buy or lease equipment for my small business”
• “compare hire purchase and operating lease total cost”
• “is 0% finance on machinery actually free”
• “what happens at the end of an equipment lease do I own it”
• “utilisation rate needed to justify buying a machine instead of hiring”

Record

In the collection. The sale room is being fitted; this work goes on sale when it opens.

License

Free-shelf works ship under the DolceDrago House License — use the outputs freely, personal or commercial; the work file itself stays with the house.