OK we are purchasing a Bobcat S175 skid this week. No need to comment on the machine. We need to make a decision on the financing options. Option 1 is to get $5000 off and pay full rate financing, lets say 22K machine 4.9% for 48. Option 2 is to pay full price for the machine and get 0% financing, lets say 27K machine, 0% for 42. At the end the machine costs us the same. One way is on the equipment, the other is in interest. Interest is deductible and so is the equipment. I am aware of the 100% depreciation, but would like to space it out over several years. Am I better to pay more for the equipment to get additional depreciation, or pay a little less each month and get less depreciation?