Guest Blog By Financial Partners Group
Equipment financing can make the difference between keeping your print shop stuck at its current production ceiling or stepping up to high-volume output. As year-end approaches, many print businesses are evaluating their production capacity, efficiency, and plans for growth. Whether you have been considering a new automatic press, upgraded conveyor dryer, direct-to-film system, or other darkroom automation equipment, now may be the right time to turn those plans into action.
Two important factors are coming together: the potential tax savings available through Section 179 and navigating the dynamic equipment financing environment with a team that knows custom apparel decorating inside and out.
Take Advantage of the 2026 Section 179 Deduction
Section 179 may allow qualifying businesses to deduct the full purchase price of eligible equipment during the year it is placed in service, rather than depreciating the cost slowly over several years.
For 2026, the maximum Section 179 deduction is $2.56 million, subject to IRS requirements, business-income limitations, and a phaseout threshold. Both new and used equipment may qualify, and securing equipment financing for the purchase does not necessarily prevent a business from claiming the deduction.
This can create a major opportunity for print businesses to invest in the equipment they need while potentially reducing their 2026 taxable income. Equipment financing can also help preserve working capital by spreading the equipment cost over time, even when an eligible deduction is taken in the current tax year.
Every business and tax situation is different, so customers should consult their qualified tax professional to determine eligibility and estimate their potential savings before committing to an equipment purchase.
RELATED: Looking For A Tax Break? Section 179 May Be The Answer
Why Starting Early Matters
To qualify for the 2026 Section 179 deduction, equipment generally must be purchased and placed in service by December 31, 2026. Simply ordering the equipment or submitting a deposit before year-end may not be enough to satisfy for the 2026 tax year, in which case it would roll into your next year's tax deductions.
Delivery schedules, installation requirements, equipment financing approvals, and increased year-end demand can all affect timing. Waiting until the last few weeks of December may leave too little time to complete the setup process and get machinery powered up on your shop floor.
Starting now gives you more time to complete key steps for your shop:
- Choose the right equipment for your production goals
- Review available inventory and delivery timelines
- Explore equipment financing and payment options
- Complete the approval and documentation process
- Schedule installation and begin using the equipment before year-end
Understanding the Interest Rate Landscape
The Federal Reserve's decisions influence the broader borrowing environment, but no one can guarantee how market shifts will decide or affect specific equipment financing rates for screen printing equipment.
Rather than trying to time the market perfectly, businesses can use this moment to evaluate their options and prepare their paperwork. Beginning the equipment financing process does not mean you must make an immediate purchase, but it can help you understand available terms, establish a clear working budget, and be ready to move when the right equipment becomes available for your print floor.
Why Finance Your Print Shop Equipment?
Through Ryonet's relationship with Financial Partners Group, customers have access to equipment financing support from a team that understands the print industry and the importance of structuring payments around the real-world operational needs of the business.
Equipment financing benefits may include:
- A soft credit inquiry that won't impact your credit score during quotes
- Application-only financing available for simplified approvals
- Flexible terms and payment structures designed around shop cash flow
- Deferred-payment options that may help preserve cash flow while equipment is shipped, installed, and begins generating revenue
- Support from application through approval, documentation, and funding
More importantly, Financial Partners Group takes a hands-on, relationship-focused approach. They work directly with Ryonet and its customers to understand the equipment purchase, the business's goals, and any timing or cash-flow concerns. Their role is not simply to provide a financing quote; it is to help make the process easier, communicate clearly, and structure an option that supports the customer's long-term growth.
RELATED: Equipment Loan vs. Equipment Lease: What Makes Sense For A Screen Printer?
Make Year-End Planning Work for Your Business
The right equipment can help increase production, reduce labor constraints, expand product offerings, and position your business for a stronger future. When combined with potential Section 179 tax savings and equipment financing designed around your cash flow, an equipment investment may be far more manageable than expected.
If new equipment is part of your growth plan, don't wait until December to begin the conversation. Connect with the Ryonet team and Financial Partners Group today to explore your equipment and financing options and determine what may work best for your growing business needs.
This information is provided for general informational purposes only and should not be considered tax or financial advice. Tax benefits and eligibility vary. Please consult your qualified tax professional regarding your individual circumstances and Section 179 eligibility. Equipment financing is subject to credit approval and applicable terms and conditions.
Ready to Plan Your Equipment Investments?
Explore your options to find an equipment financing structure that fits your shop's growth goals.