financing & leasing

Explore our easy-to-meet payment options

Owning a Ricoma machine just got easier!


Check out the personal financing and leasing programs we offer. Our flexible financing options make opening an embroidery business quick, easy and (best of all) affordable!

Leasing programs


Our lease programs offer a wealth of flexible payment options for qualified applications such as no payments for the first 90 days. Work with our professionals to find the most creative option for you!

Personal financing


With personal financing, qualified applicants can receive 0% financing on our embroidery machines.

If you’ve always dreamed of starting or expanding your business,
and need to preserve capital, you’ve come to the right place!

Why lease or finance?


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Cash flow management

Low monthly payments and minimal up-front cash outlay.

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Speed

Short one-page application with quick approvals.

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Flexibility

100% financing of the invoice including any add-on items such as hardware or software.

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No blanket lien

Only the equipment is required as collateral. Your personal and business assets remain protected.

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Tax advantages

Qualifies for the Section 179 deduction.

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Fixed payments

Unlike financing with your line of credit or credit card, payments and interest rates are fixed. Market conditions can affect your line of credit and credit card rates can increase. Our payment terms are locked in.

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Lines of credit remain protected

Qualifies for the Section 179 deduction.

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Avoid obsolescence

Financing affords you the best technology available today and allows the option to upgrade your equipment when it has outlived its use. Strengthen your competitive edge by using tomorrow’s technology today!