What credit score do I need to finance print equipment?

Our financing partners work with a range of credit profiles. Generally, a credit score of 600 or above qualifies for standard terms, but approvals are based on the full picture — including business revenue, time in business, and the equipment value. Even if your credit isn't perfect, we encourage you to apply. Our partners specialize in equipment financing and understand the printing industry.

Can I finance used or refurbished equipment?

Yes. Both Mitsubishi HC Capital and LEAF Commercial Capital finance pre-owned and refurbished print finishing equipment. Used equipment often qualifies for lower monthly payments while still delivering reliable production performance. This is an excellent option for print shops looking to add capacity without large upfront capital investment.

What does '$1 buyout' mean?

A $1 buyout lease means that at the end of your lease term, you can purchase the equipment outright for just $1. This is effectively a lease-to-own arrangement — you get the cash flow benefits of leasing with full ownership at the end. It's an excellent option for businesses that want flexibility early on but plan to own the equipment long-term.

How long are financing terms?

Our partners offer flexible terms ranging from 3 to 8 years, depending on the equipment type, value, and your business needs. Shorter terms mean higher monthly payments but less total interest. Longer terms keep payments low and preserve cash flow. We can customize terms to match your business cash flow and equipment depreciation timeline.

Does financed equipment qualify for the Section 179 tax deduction?

In most cases, yes. Equipment purchased through financing or leasing may qualify for the Section 179 deduction in the year it's placed in service — even if you're making monthly payments. For 2026, the deduction limit is $2,560,000 with 100% bonus depreciation. Consult your tax advisor for details specific to your situation.

How quickly can I get approved for equipment financing?

Most applications are reviewed within 24-48 hours. For straightforward applications, same-day approval is possible. Our team can help you prepare your application to streamline the process. Once approved, we can often arrange delivery and installation within 1-2 weeks.

Financing and Leasing

Why Finance Your Print Finishing Equipment?

Financing allows you to stay ahead of the competition by upgrading to the latest technology without a large upfront investment. Expanding your product line becomes easier, enabling you to stay relevant in the ever-evolving graphic arts industry.

With a flexible financing plan, you can meet customer demands more efficiently and maintain a competitive edge.

Trusted Financing Partners: Mitsubishi HC Capital & LEAF

We partner with Mitsubishi HC Capital and LEAF Commercial Capital Inc., two trusted names in equipment financing. They offer flexible plans ranging from 3 to 8 years, tailored to different budgets and business goals.

Most of our leasing programs feature a "dollar buyout"—meaning at the end of the lease, you can purchase your equipment for just $1. This allows you to enjoy the benefits of ownership without the burden of a large lump sum payment.

Lease vs. Buy: Which Option Fits Your Print Shop?: Which Is Right for You?

Feature	Leasing	Buying
Initial Investment	Low or No Down Payment	Full Cost Upfront
Tax Benefits	Can be deducted as a business expense	Depreciation over time
Technology Upgrades	Easy to upgrade to newer equipment	Stuck with outdated equipment
End of Term	Own for $1 or trade-in	Already own it

Ready to take the next step?

Explore financing options tailored to your business needs. Fill out our application or contact us to get started!

How Equipment Financing Works

Financing print finishing equipment through Mid-State Litho is straightforward:

1. Choose Your Equipment — Browse our full catalog of paper cutters, folders, perfect binders, bookletmakers, laminators, and more from 30+ manufacturers.

2. Complete the Application — Fill out our simple financing application. Most businesses receive a credit decision within 24-48 hours.

3. Select Your Terms — Choose from flexible lease terms spanning 3 to 8 years. Most programs feature a $1 buyout option.

4. Get Up and Running — Once approved, your equipment ships directly to your facility. Mid-State Litho provides professional installation, operator training, and ongoing technical support.

What Equipment Can You Finance?

Every piece of equipment in the Mid-State Litho catalog is eligible for financing, including:

Paper Cutters — Guillotine cutters, hydraulic cutters, programmable cutters from Challenge, MBM, Triumph, and more
Paper Folders — Buckle folders, knife folders, and combination folders from Horizon, MBM, and Morgana
Perfect Binders — EVA, PUR, and hybrid binding systems
Bookletmakers & Saddle Stitchers — Inline and standalone systems from Horizon and Morgana
Laminators — Roll and pouch laminators from Foliant and DryLam
Used & Refurbished Equipment — Also eligible for financing at competitive rates

Section 179 Tax Advantages

Equipment purchased or financed through a capital lease may qualify for Section 179 tax deductions. Under current IRS rules, businesses can deduct the full purchase price of qualifying equipment — up to $1,250,000 — in the year it's placed in service rather than depreciating it over several years.

This means a $50,000 paper cutter financed with monthly payments could still be fully deducted in the first year, significantly reducing your tax liability. Consult your accountant or tax advisor to determine your specific eligibility and benefits.

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