Embroidery machine finance
Single and multi-head commercial embroidery machines funded for workwear suppliers, teamwear businesses and decorators expanding capacity.
Whole-of-market — 60+ lenders searched, including
Can you finance an embroidery machine?
Yes. Commercial embroidery machines are excellent finance assets and fund on hire purchase with ease. Build quality from the established Japanese manufacturers is high, machines run for decades and the used market is genuinely liquid, so underwriters can value them confidently. Second-hand multi-heads are funded routinely. The one thing that surprises buyers is the digitising side: the software licence, the training and any outsourced digitising are soft costs, and the hooping frames and caps are consumable tooling, so the agreement covers the machine and very little else.
Used kit: Yes — used embroidery machines fund very comfortably and units twelve to fifteen years old are regularly funded where stitch counts and servicing are documented.
Get a quoteor call 0333 772 4864
What would an embroidery machine cost per month?
Asset finance is quoted on a flat rate, so that is what the buttons show, with the equivalent APR beside it. Your exact rate depends on the asset, the term, the deposit and the lender.
Prime is an established, profitable business with clean credit. Specialist covers newer businesses and credit that needs explaining — the asset itself carries part of the risk, which is why finance is often available where an unsecured loan is not.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 5.15% flat rate (equivalent to 9.9% APR representative), you would repay around £628 a month; total amount repayable approximately £30,150, of which £5,150 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and may receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval.
Rates shown are indicative flat rates with the equivalent APR alongside — the two are not the same number. Indicative only and does not constitute a quote or an offer of finance. Subject to status and lender approval.
How lenders treat it
Embroidery is one of the safest assets in textile decoration from a funder point of view. The major brands have deep second-hand demand across the UK and Europe, spares stay available for many years, and a serial number identifies a machine precisely. Values decline gently, so longer terms are available than in digital print. Needles, bobbins, backing, thread and hoops are consumables. Digitising software is a soft cost and subscription versions cannot be funded at all. Machines are free-standing on their own frames, so fixtures rarely come up even in leased units. The most common reason for a decline is a start-up with no decoration history buying more heads than the order book justifies.
Makes and models we fund
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| Tajima TMBP-SC1501 | Single head embroidery machine for logo work |
| Tajima TMEZ-S1501C | Single head machine with digital tension control |
| Tajima multi head machines | Multi head embroidery lines for volume orders |
| Barudan BEXT-S1501CBII | Single head machine for caps and garments |
| Barudan multi head machines | Two and four head machines for production |
| Brother PR1055X | Compact embroidery machine for small studios |
| Brother PR680W | Six needle machine for start up decorators |
| Happy Japan HCH-701 | Seven needle machine for light commercial use |
| Happy Japan HCD3E | Portable machine for very small workshops |
| Ricoma EM-1010 | Entry commercial machine for garment personalisation |
Get a quoteor call 0333 772 4864
Who buys one
Typically a workwear or teamwear supplier whose single-head cannot keep pace with school and corporate orders, moving to a four or six head to cut a two week lead time down to days. Also uniform companies bringing embroidery back from an outsourcer after quality complaints, and print businesses adding embroidery so they can quote a full branded clothing package in one go.
Get a quoteor call 0333 772 4864
How it is treated for tax
Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
Embroidery machine finance questions
Can digitising software be included?
A perpetual licence bought with the machine on the same invoice can sometimes be carried, though it is a soft cost and some funders strip it out. An annual subscription cannot be funded at all, because there is no asset and nothing to recover. Budget for it separately to be safe.
Are cap frames and hoops part of the deal?
Usually not. Frames, hoops and cap drivers are tooling: they wear, they get replaced and they hold little resale value on their own. Where they are bundled into the machine price by the dealer they may ride along, but do not count on it being funded as a separate line.
How does the number of heads affect things?
Mostly through deal size and how easily the machine sells on. Multi-heads carry higher values, which comfortably clears minimum agreement sizes, and six and eight head machines from major brands are in constant demand second-hand. A single-head may need bundling with other equipment.
Is a machine from fifteen years ago really still fundable?
Often yes, for this asset. Embroidery machines are built to run for tens of millions of stitches and the good brands keep parts available for a very long time. A funder will want service records and a stitch count, and will set the term to match the remaining life.
Can I raise finance against machines I already own to buy another?
Yes. Refinancing owned, unencumbered embroidery machines releases cash you can put towards the next purchase or towards stock. Because these machines hold their value, they tend to refinance better than digital print equipment of the same age.
Get a quoteor call 0333 772 4864
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
Get your quote
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 0333 772 4864 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.