Can’t Get the Right Printing Equipment Due to Bad Credit
Having poor credit can be a drag when you’re trying to grow your business. With our bad credit equipment leasing, financing printing equipment can now be at your reach. With our low down payment lease special for bad credit, the answer to: How to Get Lease To Own Printers in Tennessee can provide a boost to your business so you can grow your revenue. Use the equipment you need now—without the full upfront hit to cash flow. Choose structures that match your revenue and your end-of-term goals. You don’t need to have perfect credit to get the printing equipment you need.
How Equipment Leasing Works
Leasing lets your shop use equipment today while spreading cost over time. Keep cash available for consumables, hires, and sales—while upgrading on a predictable cycle. Depending on structure, some leases may be off-balance-sheet; always confirm treatment with your CPA.
Common Printing Assets
- Digital presses (HP Indigo, Konica Minolta, Ricoh, Canon)
- Offset & flexo presses, label & packaging lines
- Wide-format / flatbed (Roland, Mimaki, EFI, HP Latex)
- Bindery & finishing (folders, cutters, laminators, stitchers)
- Prepress, RIP/DFE servers, CTP, color calibration
- 3D printers: FDM, SLA/DLP, SLS, binder-jet; wash & cure
Why it Matters
- Align payments to cash-in (seasonal or fixed)
- Upgrade on technology cycles every 3 to 5 years
- Keep the balance sheet lighter with off-balance sheet financing (structure-dependent)
- Preserve working capital for other expenses & investments
- REceive 100% Tax Deduction and Amortization, lower tax liabilities.
Deep dive: How Lease vs Equipment Finance Differ
Compare Lease Types
| Type | Best For | Description | Pros | Cons |
|---|---|---|---|---|
| Operating Lease (FMV) | Fast-obsoleting tech (digital/wide-format, RIP servers, 3D) | Shorter than useful life; lessor owns; FMV buy/return/extend at end; potential off-BS (check with CPA). | Lower payments, easy refresh/upgrade, flexibility at term. | Higher lifetime cost if you keep gear long-term. |
| Finance / $1 Buyout | Long-term users (offset, finishing lines, bindery) | Loan-like fixed term; own for $1 or fixed % at end. | Clear ownership path, predictable fixed payment. | Higher monthly vs FMV; balance-sheet liability. |
| Equipment Finance Agreement (EFA) | Ownership economics without “lease” | Not a lease; full-term obligation; similar to capital lease. | Straightforward depreciation & interest deductions. | Non-cancellable; less flexibility to upgrade mid-term. |
| Sale–Lease-back | Unlocking cash from owned presses/finishers | Sell asset to lessor, lease back, continue using. | Immediate liquidity; no operational disruption. | Ongoing lease payment; no longer own the asset. |
| TRAC Lease | Flatbed & sign truck leasing | Terminal Rental Adjustment Clause with flexible end-of-term options. | Lower payments; purchase/return flexibility. | Residual value risk if market dips. |
Startup Credit Requirements
- Active entity & business bank account
- Personal guarantees from all owners
- Minimum 625 credit score
- No bankruptcies in last 7 years; no unresolved tax liens
Programs & Terms (Illustrative)
Exact approval, factor, and term depend on credit, time-in-business, equipment type, and financials. Below are typical bands used across industries, tailored frequently for print & 3D.
Heads up: Don’t buy presses with daily/weekly cash advances. That will choke working capital. Use FMV or $1 buyout/EFA aligned to your revenue cadence.
Printing Equipment: From Design to Prototyping to Production
Whether you’re adding a prototyping lab to your print shop or scaling a service bureau, we finance full 3D workflows—printers, enclosures, ventilation, resin/filament handling, post-processing, and metrology. Your Bad Credit How to Get Lease To Own Printers in Tennessee has never been easy. With credit time in business, down payment and good equipment, we can help those with bad or poor credit. Poor credit equipment financing doesn’t apply to start ups, especially pre-revenue startups. If you have revenue as a start which is less than two years in business will be considered for other financing options to be able to use capital to purchase any equipment your business need.
Technologies
- FDM/FFF (engineering filaments, CF-filled, high-temp)
- SLA/DLP (resin; dental, jewelry, models)
- SLS (nylon powders; functional parts)
- Binder-jet & metal (select programs)
Use Cases
- Short-run packaging mockups & fixtures
- Custom jigs for bindery & finishing
- Service-bureau parts & rapid prototypes
- Dental, medical models, and education labs
Printing Related Industry Financing Solutions For Bad Credit How to Get Lease To Own Printers in Tennessee
Get a Free Quote
Complete the quick form below to receive your free printing equipment financing quote.
Get Started in 3 Steps
- Instant Quote: Use our calculator for a ballpark monthly payment.
- Apply Online: 5-minute application. Upload your vendor quote and 3–4 recent bank statements.
- Review Options: We’ll walk you through FMV vs $1 buyout vs EFA, end-of-term choices, and any soft-cost add-ons.
FAQs
Can I finance software, RIP servers, installation, and training?
Yes—eligible programs allow up to ~120% to include soft costs like shipping, RIP/DFE, install, and training. Approval subject to credit/program.
FMV vs $1 Buyout for printers—what’s better?
If you plan to upgrade every 3–4 years, FMV often yields lower payments and easier refresh. If you’ll keep the equipment long-term, a $1 buyout or EFA may be more economical.
Do you work with startups?
Yes—minimum 625 credit, active entity, business bank account, and personal guarantees. Down payment may be required depending on ticket size and credit depth.
Can I consolidate a daily MCA into a lease?
We strongly discourage using MCAs to acquire equipment. A properly structured lease/EFA better matches revenue and preserves cash flow.