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TValue Software Solutions for Lease Pricing

TValue 6
The next generation of our desktop edition
TValue Online
Cloud-based edition for all web-enabled devices
TValue Engine
Software Development Kit (SDK)
TValue Direct for Salesforce
Integrates TValue calculations into Salesforce

TValue is the Industry Standard for Calculating Lease Terms

For equipment leasing or operating leases, TValue is the professional’s choice. Now it is available in desktop, online, and Salesforce integrated editions.

Calculate Any Variable


  • Calculate lease payments based on your desired yield
  • Determine payments and calculate your yield
  • Calculate both buy and sell rates
  • Calculate commissions and price them into the deal
  • Verify or determine rate factors
  • Get the detailed payment schedule that you can’t get on your HP 12c calculator


  • Formulate "What ifs" to create the right lease payment structure needed to close the deal
  • Creatively structure the lease for your and your customer's needs
  • Quote pricing quickly, easily, and accurately as needed to close the deal
    • Adjust pricing as needed to fine tune your quote


  • Designate payments in advance or payments in arrears
  • Structure deals with monthly skips, modified monthly payments, amount steps, percent steps, deferred payments, or rate buy-downs
  • Factor in residual values or buyouts
  • Calculate lease payoffs
  • Print detailed, custom amortization schedules


  • TValue 6 is the latest rendition of the popular Windows-based desktop software
  • TValue Online is the cloud-based edition for all web-enabled devices – useful when you’re in the field
  • The TValue Direct for Salesforce app integrates TValue calculations directly into Salesforce
  • The TValue Engine allows you to easily integrate proven TValue calculations into your application

Determine Your Best Pricing With TValue


Activate payments in advance or in arrears. Solve for payments, balloons, rates, residuals, etc. Create amortization schedules. Does more than your HP 12c calculator.


Develop “what ifs” to meet customer’s needs. Structure cash flows from simple to complex. Produce creative deal structures to create win/win deals.


Wrap payments around a customer’s needs. Offer varying payment structures for the best solution.

Which TValue Is Right for You?

The next generation of TValue reaches even higher levels of usefulness and flexibility. No matter how
simple or how complex your calculation, TValue lets you explore new levels of capability and ease-of-use.
You'll be challenged to find a calculation it can't handle!

TValue is the Industry Standard for Calculating Lease Terms

Watch Videos on the Lease Pricing Capabilities of TValue

Frequently Asked Questions

Can TValue handle payments in advance and/or residuals?

TValue has the flexibility to handle one, two, or three payments in advance with the weighted unknown feature and then fully amortize the lease. If you want to include a residual or a buyout, you can enter the residual amount before you solve for the payments.

Can TValue calculate the implicit rate on a lease?

Yes. Just enter the appropriate cash flows such as the lease, payments, and residual, and then type “U” for Unknown for the Nominal Annual Rate. The Nominal Annual Rate is the implicit rate or the yield on the lease.

Can TValue calculate a rate factor or determine the interest rate based on a rate factor?

TValue is a great solution to determine a rate factor or to to figure out the interest rate or yield based on a rate factor. The rate factor is essentially a multiplier of the regular payments to the lease amount based on the deal structure. Once you have structured the lease, you can use your calculator to figure out rate factor percent or if you have the rate factor multiplier, you can figure out the rate.

Can TValue determine the commission I get on a lease?

TValue is an excellent tool to determine the commission on a lease. The commission is effectively the interest rate spread between the buy rate and the sell rate. In TValue, it is a two-step process of determining the payments with the sell rate and then inputting the buy rate to solve for the commission. It is quick and easy to do.

Can TValue handle deferred payments, interest only payments, stepped up or stepped down payments?

TValue has the flexibility to handle pretty much any irregular payments. You can do deferred payments that are either part of the yield or not. One of the features in TValue is the Special Series that allows you to do interest only payments, percent step or dollar step payments to structure the lease.

TValue Leasing

Not sure which TValue Software solution is right for you?

Contact our experts today to learn more.

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