Financing and Leasing

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

Our flexible financing options make starting a custom apparel
business quick, easy and affordable!

Start your custom apparel business with ease

Cash flow management

Enjoy convenient monthly payments with minimal up-front pay out.


Our short one-page application with quick decision means you may be closer to owning your own apparel decorating equipment in no time!


If approved, you may receive 100% financing of the invoice including any add-on items such as hardware or software.

Personal and Business Financing

Purchasing equipment has never been easier. Our available financing allows businesses to apply through business financing and also allow day-one start-ups to get financed.

Tax advantages

Investments in custom apparel equipment from Ricoma qualify for the Section 179 deduction.

Equal Monthly Payments Available

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

Protected Lines of Credit

Ricoma financing offers options that are backed by Synchrony Bank, a member FDIC.

Stay Competitive

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 leasing opportunities and no interest payments for up to 72 months*, it’s no wonder so many decorators have started (or expanded) their custom apparel business with Ricoma.

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!

* Please note that all financing options are based on approved credit. All promotions and accessories listed on apply to the U.S. only.

Learn More

Personal financing

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

With no interest payments for up to 72 months*, you can make interest-free payments. So, you’ll only cover the true cost of your machine.

That means you can reinvest the money you would have spent on interest payments right back into your business.

*Please note that all financing options are based on approved credit. All promotions and accessories listed on apply to the U.S. only.

Apply Now

Leasing programs

Want to establish your business’ credit history and get convenient 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 will receive an online credit application, which you can fill out on your phone or computer.

Ricoma offers financing for all 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 do not need to have an active business to qualify for financing. We have programs where you can use your personal credit card to finance the equipment.

We work with all types of creditors. Based on your personal credit score, we will be able to give you an approval amount.

Yes, you can have someone file a joint application 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 towards the end of your lease agreement. We do not offer leasing options for personal financing. If you choose personal financing, you will own your machine the moment you purchase it and will make payments on your machine.