EMBROIDERY MACHINES
Commercial embroidery machine financing and leasing
An embroidery shop grows one head at a time until the day it needs six at once for a uniform contract. A multi-head machine is the purchase that turns a home business into a production shop, and it is the one most shops cannot pay cash for. Financing puts the heads on the floor and lets the contract pay for them.
What we finance
New or used, from any vendor, dealer or auction. Named manufacturers are examples of what this covers, not a limit — if what you need is not on this list, ask.
- Tajima TMEZ and TMBP single-head and multi-head machines
- Barudan single, two, four, six and eight-head production machines
- Melco EMT16X modular single-heads that network into a line
- Ricoma MT, EM and CHT multi-needle commercial machines
- SWF, Happy HCD3 and ZSK commercial embroidery machines
- Brother PR1055X and Baby Lock ten-needle machines for small shops
- Cap frames, wide caps, sequin and cording devices
- Hooping stations, Mighty Hoops and magnetic frames
- Wilcom, Pulse and Hatch digitising software and licences
- Laser bridge and applique cutting attachments
- Thread, backing and stabiliser starter inventory
- Complete decoration shops: embroidery, screen print and heat press
Why lease it
01
Take the contract before you own the heads
A uniform, team or corporate contract needs production capacity on the day it is signed. Financing lets you order the multi-head machine against the contract, deliver the first run on the new heads and make the payment out of the invoices.
02
Match the payment to the shop's growth
A single-head shop that adds a six-head has just multiplied its capacity. A five to seven year term keeps the payment in line with the work a new machine can do in its first year, not with the capacity it will have when it is running two shifts.
03
Deduct the machine the year it is installed
Embroidery machines, hooping systems and digitising software are Section 179 property. Buy on a $1 buyout lease or an equipment finance agreement and the whole purchase can be expensed in the year it goes into service, subject to your own tax position and your CPA's advice.
FREE QUOTE
Get a custom quote in minutes
Tell us what equipment you need — from any list above, or something that is not on one. An ACG specialist follows up, typically within 24 hours, with options built around your business.
Business equipment financing. $10,000 minimum. We do not finance personal or household purchases.
- — NO OBLIGATION, NO HARD CREDIT PULL
- — NEW OR USED, ANY VENDOR
- — OR CALL (949) 822-3017
Three steps to your equipment
01
Request a quote
Use the form above or call (949) 822-3017. No obligation and no hard credit pull to get a number.
02
Secure approval and sign
Most decisions come back the same day. Documents are signed online.
03
Order your equipment
We deal with the vendor directly — payment, inspection and delivery — so you can keep running the business.
Questions embroidery shops ask before financing a machine
Can I finance a commercial embroidery machine?
Yes. Embroidery machine financing from American Capital Group covers Tajima, Barudan, Melco, Ricoma, SWF, Happy and ZSK single-head and multi-head machines, along with the hooping systems, cap frames and digitising software that go with them, for decoration shops, uniform suppliers, promotional product companies and home businesses going commercial. Most machines are approved on an application alone, with no financial statements up to $150,000.
How much does it cost to lease a multi-head embroidery machine?
The payment depends on the machine, the number of heads, the term and the end of term option you choose. A single-head Melco on a three year lease is a very different agreement from a six-head Tajima with software on five years, so send the dealer's quote through the form on this page and we return real numbers, usually the same business day.
Can a home-based embroidery business finance its first commercial machine?
Yes. A home embroidery business stepping up to its first commercial single-head or multi-needle machine can finance it against the owner's credit and the orders already coming in. We fund small decoration businesses regularly, and the first payment can be set after the machine is delivered and trained on.
Can I lease a used Tajima or Barudan embroidery machine?
Yes. Used commercial embroidery machines from a dealer, a rebuilder or another shop qualify, and a well maintained Tajima or Barudan multi-head from a decade ago still runs production every day. We pay the seller directly once the machine is inspected and the agreement is signed.
Know what you need?
An application takes a few minutes and most decisions come back the same day. If you would rather see a payment first, the calculator gives you a range without asking for anything.