What is that ageing
machine really costing you?
Add up the repairs and the work you lose when it’s off the job, and we’ll show you the true annual cost — and the replacement you could finance for the same money.
Enter what you spend and what the machine earns, then hit Show me the real cost. We’ll total the repairs and lost work — and show the replacement you could finance for the same money.
Questions operators ask about down-time cost.
How is the real cost worked out?+
The calculator annualises your repairs and maintenance, then adds the income you lose while the machine is off the job (downtime multiplied by what it earns). Together that’s the true annual cost of keeping an ageing machine running.
How do you turn that into a borrowing figure?+
We take your annual cost as if it were a loan repayment and work backwards at an 8% p.a. interest rate over your chosen term. The result is roughly the replacement value you could finance for the same money you’re already losing.
Is the borrowable figure a finance approval?+
No. It’s an indicative comparison only, not a quote or approval. Actual finance depends on the asset, your business, the structure and the lender’s assessment. It’s a starting point for a conversation with TMF.
What if I don’t know my exact downtime?+
Use your best estimate. Even a rough figure shows the scale of what breakdowns cost. You can adjust the days or weeks and the machine’s income to see how sensitive the number is.