Financing and Leasing

Join the thousands
of apparel decorators who
started a business
with Ricoma’s financing

Our flexible options make starting a custom apparel
business quick, easy and best of all, affordable!

Start your custom apparel business with ease

Cash flow management

Low monthly payments and minimal up front cash outlay.


Short one-page application with quick approvals. You'll be closer to owning an embroidery machine in no time!


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

No blanket lien

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

Tax advantages

Qualifies for the Section 179 deduction.

Fixed payments

Unlike financing with your line of credit or credit card, payments and interest rates are fixed.

Protected lines of credit

Qualifies for the Section 179 deduction.

Avoid obsolescence

Financing affords you the best technology available today and allows the option to upgrade your equipment when it has outlived its use.

“Just filled out the paperwork yesterday…I qualified for the financing and
I have to say the young woman who contacted me after I sent my request
for more info was AMAZING. She called me and walked me through every
step of the process. I’m so excited! Now I’m just rearranging my workshop
and deciding where it will go once it gets here!”

Wendy SueAnn

EM-1010 Machine Owner

Why finance
or lease?

With 0% financing options and leasing opportunities, it’s no wonder more people are starting (or expanding) their custom apparel business.

And our flexible financing options allow even the smallest of businesses to see a return on investment quicker with interest-free payments.

No hassle and little to no upfront costs means you have the chance to start profiting right away, stress free.

Learn more about our financing and leasing programs to see which option works for you!

Learn More

Personal financing

Want to start or grow your custom apparel business, but simply don’t have the upfront capital to make it happen?

0% financing allows you to make interest-free payments, which means you’ll only cover the true cost of your machine. The money you save on interest?

You can put right back into advertising and growing your business.

Apply Now

Leasing programs

Want to establish your business’ credit history and get low monthly payments at the same time?

Our leasing programs help business owners secure their equipment through their business’ credit lines and build the credit history they need to grow their business.

And with a lease-to-own option, the equipment is yours once you pay it off.

Simply submit an application, and we’ll find you a bank to loan from that fits your current situation!

Apply Now

Have questions about financing?
We got answers.

Starting the financing process is easy! Once your account representative helps you choose the machine that fits your needs, you’ll receive an online credit application, which you can fill out from your phone or computer.

Ricoma offers financing for all of our equipment. Depending on the financing option you choose, you can receive up to $20,000 for personal credit or the full amount if you are doing lease-to-own financing.

You don't need to have an active business to qualify for financing. We have programs where you can use your personal credit to finance the equipment.

We work with all types of credits and based on your credit score, we will be able to give you an approval amount.

Yes, you can have someone cosign to help increase the amount you qualify for.

You can get financed up to $20,000.00 for personal credit or the whole amount if you are doing business financing.

Leasing options can range from 12 to 60 months.

If you chose the “lease to buy option” through business financing, you will have the option to buy your equipment for $1 or fair market value when the lease is over. We do not offer leasing options for personal financing. If you chose personal financing, you will already own your machine the moment you purchase it and will make payments on your machine.