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Buy, lease or wait: new machinery with high interest rates

Comprare, noleggiare o aspettare: i macchinari con i tassi alti · Finance · Advanced

The case

Two machine tools in the main department need replacing: growing downtime, unobtainable spare parts, and the new generation consumes 30% less. The investment is 600,000€. At current rates, leasing costs 7.2%, the bank loan 6.8% but absorbs credit capacity, operational rental avoids capital lock-up but costs 20% more over five years, and company liquidity could cover a cash purchase while leaving the cash position below the safety threshold for eight months. The supplier offers a 6% discount for orders by quarter-end, and there are rumors of a new regional modernization grant in spring. How do you structure the decision?

Due macchine utensili del reparto principale vanno sostituite: fermi crescenti, ricambi introvabili, e la nuova generazione consuma il 30% in meno. L'investimento è di 600.000€. Con i tassi attuali, il leasing costa il 7,2%, il finanziamento bancario il 6,8% ma assorbe fido, il noleggio operativo evita l'immobilizzo ma costa il 20% in più su cinque anni, e la liquidità aziendale coprirebbe l'acquisto cash lasciando però la cassa sotto la soglia di sicurezza per otto mesi. Il fornitore offre uno sconto del 6% per ordine entro fine trimestre, e si vocifera di un nuovo bando regionale per l'ammodernamento in primavera. Come strutturi la decisione?

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Frequently asked questions

What is the "Buy, lease or wait: new machinery with high interest rates" problem-solving case on Grace?

It is a advanced-level Finance case based on a real workplace situation. You read the problem, write how you would solve it in free text, and Grace's AI judges whether your solution actually works — or what is still uncovered.

Can I retry if my solution doesn't solve the case?

Yes. The feedback tells you what remains uncovered — without revealing the solution — so you can strengthen your plan and try again. After you solve it, 6 more Finance cases are waiting.

Who is this case for?

Anyone who wants to train structured problem solving: managers, professionals and candidates preparing for case interviews in Finance. The advanced difficulty makes it a demanding test of real-world judgment.

How is my solution evaluated?

Grace's AI checks four things: whether you address the core problem (not just the symptoms), whether your plan is feasible within the constraints of the case, whether you consider risks and consequences, and whether you avoid the typical mistakes. You get a solved/not-solved verdict, a 0-100 score and coaching feedback.

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