Compare
When your business needs a machine, vehicle, or equipment, the financing decision matters as much as the purchase itself. We build a comparative spreadsheet with real numbers — rate, installments, total financial cost, and monthly cash flow impact — so you see every option on one screen.
One Comparative Table
All financing options — leasing, bank loan, export pre-financing, corporate card — displayed side by side with the same variables so comparisons are fair.
Real Numbers Only
We use current market rates and actual conditions. No theoretical examples. No rounded figures. The numbers in your spreadsheet reflect what you would actually pay.
Your Decision, Your Data
We present the analysis and step away. No pressure, no commission, no preferred option. You have the information and you make the call that fits your business.
Clarity when the numbers matter most
When an Argentine SME needs to finance a piece of equipment, the options look similar on the surface — and very different when you run the actual math.
Total Financial Cost
Beyond the interest rate, we calculate the complete financial burden: fees, insurance, tax effects, and all costs embedded in each financing structure.
Monthly Cash Flow Impact
Each option affects your working capital differently. We map how each installment schedule interacts with your monthly cash position so you can plan ahead.
Effective Rate Analysis
Nominal rates are rarely what you pay. We convert every option to a comparable effective annual rate so you are reading the same language across all alternatives.
Four Financing Structures
Leasing, traditional bank loan, export pre-financing (for eligible exporters), and corporate card installments — each with its own logic and cost structure.
Machines, Vehicles & Equipment
Whether you need an industrial machine, a delivery vehicle, or specialized equipment, the comparison method adapts to the asset type and its financing conditions.
Spreadsheet Deliverable
You receive a structured spreadsheet with all scenarios calculated. You can share it with your accountant, your partner, or your bank without needing to explain our methodology.
The Real Cost Question
You know what the machine costs. Do you know what the financing costs?
An SME owner in Córdoba is ready to buy a CNC machine. The bank offers a loan at a certain rate. The leasing company offers a monthly payment. The corporate card shows zero-interest installments. Each option looks reasonable in isolation.
The challenge is that each structure has a different total cost, different cash flow timing, and different accounting treatment. Without a side-by-side comparison using the same variables, picking the right option is guesswork.
- Rates expressed differently (nominal, effective, monthly, annual)
- Hidden costs in origination fees, notary costs, and insurance
- Tax deductibility varies by structure
- Cash flow timing differs significantly across options
One Screen, All Options
A single table that speaks one language
We take the specific details of your purchase — asset value, desired term, your business profile — and calculate each applicable financing option using current market conditions.
The result is a structured comparison where every row means the same thing across every column. You can see which option costs more in total, which puts more pressure on your first months, and which one frees up cash for operations.
- Leasing: installments, residual value, tax treatment
- Bank loan: amortization schedule, effective rate, fees
- Export pre-financing: applicable conditions and cost
- Corporate card: real installment cost after all charges
How the comparison is built
A structured process that turns your purchase details into a clear, actionable comparison in a short time.
You Share the Details
Asset value, preferred term, your business activity, and any specific financing you have already been quoted.
We Identify the Options
Based on your profile and the asset type, we determine which financing structures are applicable and available for your situation.
We Run the Numbers
Using current rates and real conditions, we calculate total cost, installment schedule, effective rate, and cash flow impact for each option.
You Receive the Spreadsheet
A structured, clearly labeled comparison arrives in your inbox. You review it with whoever you trust — accountant, partner, bank — and make your decision.
What a comparison looks like
This illustrates the structure of the comparison — variables and categories are real, figures are illustrative placeholders only.
| Variable | Leasing | Bank Loan | Export Pre-Fin. | Corporate Card |
|---|---|---|---|---|
| Nominal Annual Rate | Varies by term | Varies by profile | Applicable to exporters | Varies by card/plan |
| Effective Annual Rate | Calculated | Calculated | Generally lower | Often higher |
| Total Financial Cost | Shown in full | Shown in full | Shown in full | Shown in full |
| Monthly Installment | Fixed / Variable | Fixed / French | Varies | Fixed per plan |
| Asset Ownership | At end of term | Immediate | Immediate | Immediate |
| Tax Deductibility | Installment deductible | Interest deductible | Interest deductible | Varies |
| Cash Flow Impact | Mapped monthly | Mapped monthly | Mapped monthly | Mapped monthly |
Your actual comparison will contain real figures based on your specific purchase and current market conditions.
Information, not advice
We started Valmadi because we saw how many SME owners made financing decisions based on incomplete information — often taking the first option offered or the one a relative recommended.
Our role is specific and intentional: we build the comparison and present the numbers. We do not have a banking license, we do not intermediate credit, and we do not earn a commission from any financing provider. Our only product is the analysis.
Full Transparency
Every figure in the comparison is sourced and explained. You know where each number comes from.
No Conflicts of Interest
We do not work with banks, leasing companies, or card issuers. We have no financial incentive to favor any option.
Based in Córdoba, Argentina
We work with Argentine SMEs and understand the local financing landscape — regulations, rates, and real market conditions.
Ready to see the real numbers?
Share your purchase details and we will build the comparison for you. No commitment, no sales call — just the numbers you need to decide.