BALDWIN AG
Finance Comparison Tool
Professional Tools for Smart Decisions
v1.2.0
Purchase Information
Purchase Amount ($)
Total cost of ag inputs before any discounts
Final Payoff Date
When you plan to pay off the loan completely
Cash Return Rate (% annual)
Annual return if you keep cash invested (savings account, money market, etc.)
Option 1: Cash Payment
Cash Discount (%)
Discount if you pay cash immediately
Option 2: Company Financing
Interest Rate (% annual)
Annual percentage rate for company financing
Cash Discount with Financing (%)
Reduced discount when using company financing
Interest rate changes during term
Initial Interest Rate (%)
Rate for the first period (e.g., 0% promotional)
Rate Change Date
When the rate changes to standard APR
Final Interest Rate (%)
Rate after the change date
Option 3: Third Party Financing
Interest Rate (% annual)
Annual percentage rate from bank or other lender
Cash Discount with Financing (%)
Discount when using third party financing
Interest rate changes during term
Initial Interest Rate (%)
Rate for the first period
Rate Change Date
When the rate changes
Final Interest Rate (%)
Rate after the change date
Option 4: Farm Line of Credit
Interest Rate (% annual)
Annual percentage rate for farm line of credit
Cash Discount (%)
Cash discount when paying with farm LOC (typically full cash discount)
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Detailed Comparison
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