Equipment Finance Options
A printer is a capital purchase, and most shops would rather not take it out of working capital. We work with three lenders who specialize in the sign and print trade, so you can spread the cost over monthly payments and put the machine to work while you pay for it.
We do not lend money ourselves and we take no part in the credit decision. What we do is give you a firm equipment quote, introduce you to lenders who already understand this industry, and stay out of the way.
How it works
- Get a quote from us first. Lenders need a written equipment quote with the exact configuration and price before they can size the deal. Request a quote and we will put one together.
- Pick a lender and apply. All three take applications online. You can apply to more than one.
- They make the credit decision. Terms, rate, and structure come from the lender, not from us.
- We build and ship the order once financing is in place.
Our financing partners
All financing is subject to credit approval. Terms, rates, and program details come from the lender and are theirs to change — confirm the current offer with them directly.
MMP Capital
MMP Capital works specifically in the print, sign, and graphics industries, so you are not explaining what a wide format printer is before you get to the numbers. They advertise a fast online application, flexible term lengths, and staff who know the equipment.
ELM Blue
ELM Blue takes a more hands-on approach and handles both equipment and technology leasing. If your situation does not fit a standard box — newer business, seasonal revenue, an unusual configuration — they are worth a conversation.
Ascentium Capital
Ascentium runs a streamlined program aimed at small business, and states that it offers deferred first payments, same-day credit decisions, and financing on larger equipment packages. Ask them what applies to your application.
Lease or finance?
Shops ask us this constantly, so here is the plain version. Your lender will explain how their specific programs are structured.
- An equipment finance agreement is a loan against the machine. You own it, you carry it on your books, and the payments end.
- A $1 buyout lease behaves much like a loan — you keep the equipment at the end for a nominal amount.
- A fair market value lease usually carries a lower payment, and at the end you buy it at market value, return it, or re-lease. This suits shops that want to stay on current technology rather than run a printer into the ground.
Which one fits depends on how long you intend to keep the machine and how your business handles depreciation. That second part is a question for your accountant, not for us.
On the tax question. Equipment purchases can carry tax treatment that affects the real cost of the deal, and the rules change. Talk to your CPA before you sign — we are a distributor, not a tax advisor, and the answer depends on your business.
What lenders will usually want
Every lender is different, but having these ready shortens the process:
- Your written equipment quote from us
- Time in business and basic business details
- Bank statements, on larger applications
- Personal guarantee information, on most small business deals
Financing generally covers the equipment itself. Consumables — ink, media, blades — are normally a separate purchase, so budget for the first round of supplies alongside the machine.
What we can help with
- Sizing the machine to the work. Financing a printer that is bigger than your job mix is an expensive mistake with a payment attached.
- A firm, itemized quote that a lender can actually underwrite.
- A demo before you commit. Nobody should finance a machine they have only seen in a PDF.
- Support after the sale, plus the ink, parts, and media to keep it running.
Not sure where to start?
Call (602) 272-8655 Monday through Friday, 8:00 AM to 4:00 PM Arizona time, or email sales@kgsupplies.com. Tell us what you are trying to produce and roughly what you can carry monthly, and we will help you work back to a machine that fits.
Kirin Global Supplies is not a lender and does not make credit decisions. All financing is provided by third-party lenders and is subject to credit approval. Rates, terms, and program availability are set by the lender and subject to change. Nothing on this page is tax, legal, or financial advice.