Capex • Capital Decisions

Capex & Financing Decisions

Compare buy vs loan vs lease and see impact on cash, NPV, and payback.

Cash vs Finance NPV Payback Depreciation

📂 Data needed for this module

🏷️

Asset Quote / Cost Estimate

Purchase price or project cost → the capex amount being evaluated

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Loan / Lease Term Sheet

Interest rate, term, residual value → financing option inputs

📊

Depreciation Policy

Useful life & method (straight-line etc.) → depreciation schedule

💵

Cash Flow Forecast

Available cash & burn rate → assesses cash purchase feasibility

📈

Discount Rate / WACC

Cost of capital for the business → NPV & IRR comparison

DATA MODE SAMPLE

Sample = fixed demo dataset • Random = generated dataset

Asset Cost ($)

Useful Life (years)

Salvage Value ($)

Starting Cash ($)

Discount Rate (%)

Interest Rate (%)

Loan Term (months)

Down Payment ($)

Monthly Lease ($)

Lease Term (months)

Decision

Load sample data or adjust assumptions to see the decision.

Option A: Pay Cash

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Option B: Loan

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Option C: Lease

—

Board View

Recommended

—

best option

Cash Option NPV

—

total cost (PV)

Loan Option NPV

—

total cost (PV)

Lease Option NPV

—

total cost (PV)

Monthly Payment

—

loan monthly

Annual Depreciation

—

straight-line

Load data to see summary.

⚠ RISKS & WATCHOUTS

🔧 LEVERS TO PULL

Cash Balance Impact Over Time

Monthly Cash Outflow Comparison

Straight-Line Depreciation Schedule

Year	Opening BV	Depreciation	Closing BV