Commercial embroidery machine financing. Decisions in 2 to 4 hours. No prepayment penalty.
Ricoma, Melco, Tajima, Barudan, ColDesi — multi-needle, multi-head, single-head, cap presses. $5,000 to $75,000. Soft credit pull, simple-interest, same-day funding to your dealer. 700+ FICO and 2+ years in business.
$5K–$75K
Sized for shop-floor purchases, not big-iron over-commitment.
2–4 hour decisions
Soft credit pull. Won't ding your score.
No prepayment penalty
Simple-interest. Pay it off whenever. No future interest at payoff.
Same-day funding
When all docs are in, money to your dealer the same day.
Terms 12–60 months
Defer the first payment up to 90 days.
One-page application
Real person on the phone, not a portal black-hole.
From a first single-head to a six-head shop expansion
Whether it's your first commercial machine, a second head to clear backlog, or a full multi-head replacement — TAC's program is built for the $5K to $75K shop-floor purchase the bank won't even open the file on. Cap presses, flat embroidery, monogramming, contract-stitching shops. Established 700+ FICO and 2+ years in business, get a credit decision in 2 to 4 hours.
Embroidery equipment we finance
- Multi-head commercial machines — 2-head, 4-head, 6-head, 8-head, 12-head production lines
- Single-head multi-needle machines — 6-needle, 10-needle, 12-needle, 15-needle
- Cap and structured-garment presses — cap frames, sash, structured caps
- Monogramming and contract-stitch setups — entry-level commercial up to mid-volume
- Companion equipment — heat presses, transfer presses, vinyl cutters, sublimation printers, hooping stations
- New or used — manufacturer-direct, dealer, or trade-in upgrades
Brands and dealers we finance
We finance equipment from any dealer. Once you're approved with us, you can compare quotes across vendors and we'll fund whichever you choose.
Ricoma
EM-1010, MT-1501, MT-2002, TC-1501. Multi-needle single-head and 2-head production machines.
Melco
EMT16X single-head 16-needle, AMAYA modular multi-head systems.
Tajima
TMEZ-SC, TLMX, TMBP cap series, multi-head production lines.
Barudan
BEXY, BEXS, BEKT cap-and-flat single- and multi-head machines.
ColDesi / Avancé
Avancé 1501C, 1501S, multi-head ColDesi production units.
Brother & SWF
Brother PR-series commercial, SWF MA / E-series. Other commercial brands welcome.
Section 179 — write off the full cost the year you place it in service
Commercial embroidery equipment financed through TAC typically qualifies for Section 179 depreciation. That means you can deduct the full purchase price in the tax year you put it to work — instead of depreciating it over five or seven years — up to the IRS annual limit. Combine the deduction with our simple-interest financing and the after-tax cost of expanding your shop is materially lower than paying cash. Confirm specifics with your CPA based on your situation.
Who qualifies
FICO: 700 or higher (we pull a soft credit check — no impact on your score).
Time in business: 2+ years. Newer businesses sometimes qualify with comparable trade-line history or a low debt-to-income ratio — ask.
Equipment: commercial embroidery machines and adjacent free-standing equipment. New or used.
Doc package: one-page application, equipment invoice. Three months of business bank statements at $35K+.
22 years. Family-owned. BBB Accredited A+. Kaysville, Utah. Real person on the phone.
Frequently asked
How fast can I get approved? Credit decisions in 2–4 hours for qualified borrowers. Funding to your dealer same-day once all docs are complete.
What credit score do I need? 700+ FICO and 2+ years in business for our fastest program. Soft pull, so it won't impact your score.
Is there a prepayment penalty? No. Simple-interest. Pay it off whenever — no future interest at payoff.
Do you finance Ricoma, Melco, Tajima, Barudan, ColDesi? Yes — all major commercial embroidery brands and most dealers. Tell us the machine and the dealer; we handle the rest.
Can I use Section 179? Yes — equipment financed through us typically qualifies for the full Section 179 deduction in the year you place it in service, up to the IRS limit. Confirm with your CPA.
What about used machines or a multi-head upgrade? Both fine. New, used, dealer or trade-in upgrade — we work the file the same way.
Ready to finance your next embroidery machine?
Call (801) 332-9756 · A real person picks up
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Or pre-qualify in 60 seconds
Tell us about the embroidery machine you're financing.
Three minutes on the phone and you'll know what your deal looks like.