Tools
Vending Machine Finance Repayment Calculator
Estimate your monthly repayments for vending machine finance — then see how many sales a day it takes for the machine to cover them.
Calculate your repayments
Your margin per vend after stock cost. Used to work out how many sales a day cover the repayment.
Estimated monthly repayment
$633
per month over 48 months · about $146/week
Does the machine pay for itself?
At $1.50 profit per sale, you need about
14 sales a day
to cover your finance repayment of about $146 a week. Every sale beyond that is margin in your pocket.
Daily repayment ($20.81) divided by your profit per sale. It assumes the machine trades every day and excludes site commission, stock, service and other running costs.
This is an indicative estimate only. Your actual rate and repayments depend on your individual circumstances and the lender. For an accurate quote, apply online or call us.
Frequently asked questions
Is this repayment calculator accurate?
The calculator provides an indicative estimate based on the inputs you provide. Your actual repayments will depend on your specific circumstances, the lender, and the finance structure. Apply or call us for an accurate quote.
How many sales a day do I need to cover a vending machine loan?
It depends on your repayment and your margin per vend. The calculator works it out by dividing your daily repayment by your average profit per sale — so a machine financed at a lower amount, over a longer term, or selling higher-margin lines needs fewer daily sales to break even. Remember the figure covers the finance repayment only; site commission, stock, service and other running costs sit on top.
What interest rate should I use?
If you're unsure, use a range of rates to see how repayments change. We can give you an indicative rate based on your situation — call us for a quick chat.
Can I include a balloon payment?
A balloon (residual) payment at the end of the term can lower your monthly repayments. We can structure your finance with or without a balloon — talk to us about what works best.
What profit per sale should I assume?
Margin per vend varies by product and pricing — drinks and snacks typically sit at the lower end, while coffee and fresh food can be higher. If you're not sure, start conservatively and increase it to see how the break-even changes.
Lender panel
Lenders across our referral network
Banks, non-banks and specialist equipment financiers active in Australian business lending. We match your application to lenders who may fit your situation.
Logos are the property of their respective owners and are shown for identification only. VendingFinance is a referral service, not a lender or broker. Inclusion here is not an endorsement, an offer of credit, or a guarantee of approval — each lender sets its own criteria.
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