Takeuchi TL12 Financing Calculator
compact track loaders · Est. Market Price $110,000 · More Takeuchi financing
Updated Cross-checked against 1 government/public rate source
Buyers comparing compact track loaders options will find the Takeuchi TL12 spec'd as a mid-size machine, running a 112hp engine and 12,860 lb operating weight.
At 112hp, the Takeuchi TL12 sits at the lighter-duty end of the horsepower range for compact track loaders models tracked here (22% of the category's top horsepower figure). By operating weight, it comes in at 6% of the heaviest compact track loaders model in this dataset.
Priced at $110,000, the TL12 is modeled here as a 60-month $1-buyout capital lease at an estimated 8.25% APR — $2,259/mo, building to full ownership at term end. For financing at this level, at this price point, most commercial lenders will want to see at least 1-2 years of time in business before offering their best rates. Across the full 60-month term, total payments come to $135,533 — about $25,533 above the $110,000 cash price, which is the real cost of financing instead of paying up front.
At an estimated $2,259/month, this ranks #28 of 32 by estimated payment among currently priced compact track loaders models — 31% above the compact track loaders average of $1,729/mo.
Because 100% bonus depreciation is currently in effect (equipment placed in service after January 19, 2025) and this asset qualifies under Section 179's $2,560,000 2026 cap, the full $110,000 cost is a candidate for a first-year deduction rather than a multi-year depreciation schedule -- the actual benefit depends on the buyer's taxable income, so this isn't a substitute for a CPA's sign-off.
Estimated Monthly Payment
Estimated Commercial APR including doc/origination fees. Adjust the slider to personalize the rate for your credit tier.
$2,258.88/mo
Base APR: 8.25% · 60 months
| Month | Payment | Principal | Interest | Balance |
|---|
Section 179 Tax Deduction Matrix
Estimates for illustrative purposes only. Consult a certified CPA to determine actual Section 179 depreciation. Source: IRS Publication 946 .
| Estimated Equipment Price | $110,000 |
| 2026 Section 179 Cap | $2,560,000 |
| Eligible Deduction | $110,000 |
| Federal Corporate Tax Rate | 21% |
| Estimated Tax Savings | $23,100 |
| Effective After-Tax Cost | $86,900 |
Asset Specifications
| Make | Takeuchi |
| Model | TL12 |
| Category | heavy-construction |
| Subcategory | compact track loaders |
| Horsepower | 112 hp |
| Operating Weight | 12,860 lbs |
| Lift Capacity | 2,833 lbs |
| Estimated Market Price | $110,000 |
Real-World Market Reference
An independent data point from a public government source — not our own estimate.
| Vendor Rental Rate | $520.00/dayWashington State DES equipment rental contract (vendor: FMI) |
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Frequently Asked Questions
What is the estimated monthly payment for a financed Takeuchi TL12?
An estimated $2258.88/month over 60 months at a base APR of 8.25%, including a $750.00 doc/origination fee.
Does the estimated payment change based on credit score?
Yes. The calculator above has 5 credit tiers, each adjusting this machine's 8.25% base APR: Subprime 12.75%, Fair 10.75%, Good 8.25%, Very Good 7.50%, Prime 6.75%. "Good" is the default tier shown; drag the slider to see the exact payment at your tier.
Is the Takeuchi TL12 eligible for a Section 179 tax deduction?
Yes. Under the 2026 Section 179 cap of $2,560,000, qualifying businesses may be able to deduct the full purchase price in the year it's placed in service, subject to CPA verification.
Does 100% bonus depreciation apply to a financed Takeuchi TL12?
Bonus depreciation was restored to 100% for equipment placed in service after January 19, 2025, and it applies more broadly than Section 179 -- it isn't capped by the $2,560,000 Section 179 limit and generally isn't affected by a business's Section 179-eligible income limit. Financing rather than paying cash doesn't disqualify a purchase from this: the full $110,000 placed-in-service cost is typically what counts, not the amount actually paid that year. Confirm applicability with a CPA before filing.
What's the total cost of financing this Takeuchi TL12 versus paying cash?
Over the full 60-month term, estimated payments total $135,533 -- about $25,533 more than the $110,000 cash price. That difference is the estimated cost of financing (interest plus the $750.00 doc fee) rather than paying up front.
How much would a down payment lower the monthly payment on this Takeuchi TL12?
Putting 10% down ($11,000 on this Takeuchi TL12) reduces the estimated payment from $2,259/mo to roughly $2,035/mo at the same 8.25% estimated APR -- a real reduction, since a down payment lowers the amount actually financed rather than just the sticker price.
What is the typical resale or auction value for a Takeuchi TL12?
Resale value data is not yet available for this specific model.
What does a Takeuchi TL12 rent for?
Washington State DES equipment rental contract (vendor: FMI) lists a current rental rate of $520.00/day for this machine — a real published rate, not our own estimate.
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