Four financing options. One spreadsheet. Your decision.
The Valmadi comparator takes the details of your equipment purchase and builds a side-by-side analysis of every applicable financing structure. Leasing, bank loan, export pre-financing, and corporate card — all calculated with the same variables so the comparison is fair.
What we compare and why each one matters
Each financing structure has different mechanics, different costs, and different implications for your cash flow and accounting. Understanding each one is the starting point.
When an SME needs to finance a piece of equipment, the options are not as straightforward as they appear. A leasing installment and a bank loan payment might look similar on the surface, but they represent completely different financial commitments with different ownership implications, different tax treatments, and different total costs.
Export pre-financing, when available, often carries different rate conditions than conventional credit. Corporate card installments may appear interest-free but carry embedded costs that only appear when you calculate the effective rate.
The comparator puts all of this on one page, in the same format, so you can read across the options rather than translating between them.
Leasing
Financial leasing for capital goods — installments, residual value, tax deductibility of the full installment amount.
Bank Loan
Traditional bank financing — amortization schedule, effective rate, origination fees, immediate asset ownership.
Export Pre-Financing
Available to eligible Argentine exporters — often lower cost, specific eligibility criteria and documentation requirements.
Corporate Card
Installment plans through corporate or business cards — real effective cost calculated including all charges and fees.
What the comparison includes for each option
Every variable is calculated consistently across all options so you are always comparing equivalent information.
Nominal & Effective Rate
Both the nominal rate (as quoted) and the effective annual rate (what you actually pay after all charges) are calculated for every option.
Full Installment Schedule
Every payment, every period — principal, interest, fees — laid out in a complete schedule so you know exactly what you owe and when.
Total Financial Cost
The sum of all payments minus the asset value — the true cost of accessing the financing, expressed in absolute terms and as a percentage.
Monthly Cash Flow Impact
Month-by-month mapping of how each option affects your cash position — particularly useful for identifying pressure points in the first quarters of the financing.
Tax Treatment Notes
How each option is treated for income tax and VAT purposes under Argentine tax law — relevant information for your accountant to factor into the decision.
Asset Ownership Timing
When you become the legal owner of the asset under each structure — relevant for collateral, insurance, and accounting treatment.
From your purchase details to your comparison
You share the purchase details
Asset type, value, desired term, your business activity (including whether you export), and any quotes you have already received from banks or leasing companies.
We identify applicable options
Not all options apply to every situation. Export pre-financing requires exporter status. Some leasing structures are asset-specific. We confirm which options are relevant for your case.
We calculate each option
Using current market rates and real conditions, we build the full analysis for each applicable option — installment schedule, effective rate, total cost, and cash flow impact.
You receive the comparison
A structured spreadsheet arrives in your inbox. Every option is on the same sheet, in the same format, with consistent variables so you can read across the columns and see the differences clearly.
You decide
The decision is yours. You have the information, you know your business, and you make the call. We are available to clarify any figures in the spreadsheet if needed.
Important: What This Is Not
The comparison is an analytical tool, not financial advice. Valmadi does not recommend one option over another. The spreadsheet presents the data — the interpretation and decision belong to you and, if relevant, your accountant or financial advisor.
Information we need to build your comparison
The more detail you share, the more accurate the comparison. Here is what we typically work with.
Asset Information
Type of asset (machine, vehicle, equipment), purchase value, whether it is new or used, and supplier details if available.
Financing Preferences
Preferred term (number of months), any down payment available, and whether you have a preference for fixed or variable installments.
Business Profile
Business activity, whether you export (relevant for pre-financing eligibility), and your approximate annual revenue range.
Existing Quotes (Optional)
If you have already received quotes from banks or leasing companies, sharing them helps us include those specific conditions in the comparison.
Ready to request your comparison?
Contact us with your purchase details and we will confirm which options apply and what the comparison will include for your situation.