Screen Printing & Embroidery Equipment Financing for Shops at Every Stage
Screen printing equipment financing through The Funding Booth gives custom apparel and decorated goods businesses access to the machines they need — automatic presses, DTG printers, embroidery heads, and heat transfer systems — without draining working capital or waiting on a bank that doesn't understand your industry.
What We Finance for Screen Printing and Embroidery Businesses
Whether you're equipping a one-person shop or scaling a production floor, we finance the full range of equipment used in custom apparel and decorated goods — new and used, from dealers and private sellers alike.
- Automatic and manual screen printing presses (Riley Hopkins, M&R, Anatol, Workhorse, and others)
- Direct-to-garment (DTG) and direct-to-film (DTF) printers (Epson, Brother, Kornit, and others)
- Multi-head commercial embroidery machines (Barudan, Tajima, ZSK, Happy, SWF)
- Single-head embroidery machines for startups and solo operators
- Heat transfer presses and vinyl cutters
- Conveyor dryers, flash cure units, and exposure units
- Ink mixing systems and darkroom equipment
- Wide-format and sublimation printers
- Finishing and folding equipment
- Used production equipment purchased from another shop or private seller
Financing Structures Built Around How Your Shop Actually Works
Most banks treat screen printing and embroidery businesses as niche risks. We don't. We match the financing structure to what makes sense for your business model, tax situation, and cash flow — not what's easiest for a lender to process.
Equipment Loans and Equipment Finance Agreements
You own the equipment from day one. An Equipment Finance Agreement (EFA) gives you the tax and balance-sheet treatment of a loan without the formalities of a traditional bank note. Rates start as low as 4.5%, and terms run from 24 to 84 months depending on equipment type and credit profile.
$1 Buyout and Fair Market Value Leases
If you want lower monthly payments now and the option to buy at the end, a lease structure may fit better than a loan. A $1 buyout lease functions like a loan for tax purposes — you'll own the press or embroidery system at term end for a dollar. A Fair Market Value (FMV) lease keeps payments lower and gives you flexibility to upgrade equipment when the term is up.
Working Capital Alongside Equipment Financing
Sometimes the equipment deal is only part of the picture. We also offer working capital term loans, business lines of credit, and revenue-based cash advances for shops that need funds for inventory, staffing, or seasonal cash flow gaps — separate from or alongside an equipment transaction.
Private Party Equipment Purchases
Buying a used automatic press or a multi-head embroidery machine from another shop directly? Most lenders won't finance private-party transactions. We will, on transactions of $20,000 or more, with the same programs available for dealer purchases.
Who We Work With in the Custom Apparel Industry
If you've been in business less than two years — or haven't started yet — we have programs built specifically for day-one startups. You don't need two years of tax returns or established business credit to get approved. We work with new businesses every day and structure deals that make sense at the beginning of the road, not just after you've already proven yourself.
Startups and New Shops
If you've been in business less than two years — or haven't started yet — we have programs built specifically for day-one startups. You don't need two years of tax returns or established business credit to get approved. We work with new businesses every day and structure deals that make sense at the beginning of the road, not just after you've already proven yourself.
Shops with Challenged Credit
A low personal credit score, a past bankruptcy, or limited credit history doesn't close the door here. We have experience working with challenged-credit borrowers in the equipment finance space, and we'll tell you plainly what's available and what it costs rather than stringing you along.
Established Production Operations
If your shop is scaling — adding heads, replacing aging presses, or opening a second location — application-only approvals are available up to $500,000 with no personal financials or tax returns required. Established businesses with strong revenue often move through our process faster than they expect.
ITIN-Only Applicants
We work with business owners who operate with an ITIN and no Social Security number. This is a real program, not a workaround — we have lenders who underwrite on ITIN and understand the profile.
Equipment Vendors and Dealers
If you sell screen printing or embroidery equipment and want to offer financing on your sales floor, our vendor partner program gives you 100% prefunding before delivery with no recourse back to you. Your customer gets approved, you get paid in full, and the financing relationship is ours to manage.
The Numbers Behind Our Programs
Here's what the financing looks like in practical terms, so you can evaluate fit before you spend time on an application.
- Funding range: $5,000 to $100 million
- Terms: 24 to 84 months on most equipment; up to 15+ years on larger transactions
- Rates: Starting at 4.5% for qualified borrowers
- Down payment: $0 down options available; deferred first payment options available
- Approval speed: Many deals approved within 24–48 hours
- Application-only: Up to $500,000 with no tax returns or personal financials required
- Used equipment: No restrictions — business-essential is the only requirement
- Credit range: Startups, challenged credit, ITIN-only, and strong established credit all have pathways
Why the Funding Booth Model Often Works Better Than Going Straight to a Bank
A single bank has one credit box. If your deal doesn't fit — because you're a startup, or your credit has taken hits, or the equipment is used — you get a decline and start over somewhere else.
The Funding Booth has solutions for every business in need of equipment funding or working capital, with competitive funding programs available for all credit types and situations.
Frequently Asked Questions About Screen Printing Equipment Financing
Can I finance a used embroidery machine or screen printing press?
Yes. We place no restrictions on equipment age, hours, or condition beyond the requirement that it be business-essential. Used automatic presses, older multi-head embroidery systems, and refurbished DTG printers are all financeable through our lender network.Do I need to have been in business for two years to qualify?
No. We have programs specifically for day-one startups and businesses under two years old. The terms and rates may differ from those available to established operations, but approval is possible from the first day you're open.What credit score do I need to get approved?
There's no hard minimum that disqualifies you outright. We have lenders who work with scores in the low 500s, past bankruptcies, and thin credit files. The honest answer is that the lower the score, the more limited the options and the higher the rate — but we'll tell you exactly what's available rather than wasting your time.How long does the approval process take?
Many approvals come back within 24 to 48 hours on application-only deals. Larger transactions or those requiring financial documentation take longer, but we move as fast as the lender allows and keep you informed throughout.Can I finance equipment I'm buying from another shop, not a dealer?
Yes, on transactions of $20,000 or more. Private-party equipment purchases are something many lenders won't touch — we handle them regularly and have a clear process for getting them funded.What if I only have an ITIN and no Social Security number?
We have lenders who underwrite on ITIN. It's a real program with real approvals, not a placeholder. Reach out and we'll walk you through what's needed.
