Lease negotiations on used embroidery machine

I'd do an outright purchase instead of a lease. I don't know about your state but in Texas you have to pay the sales tax each month on the lease payment and if you are commercial you might end up on the property tax list as well owing on the machine each year. This might not apply if you're just going to do this at home. Also, you need to be real careful about the end of lease terms.

With a purchase you know up front the amount you'll pay for the machine with the principle and interest. The payment shouldn't be that much different but a longer term if the lease isn't a lease-purchase type of agreement. Go to your bank and ask them if they will lend on it and at what rate. Having financing already arranged puts the negotiations on the price and what goes with it on your side of the equation instead of the seller.

I'd pass on the software and the hoopmaster and just get the machine. You'll be able to buy them used at a better price if you'll spend time on ebay, craigslist, or any other site devoted to used embroidery stuff.

Don't even be concerned with offending someone who is selling you something. Keep in mind that you want to be reasonable, however you make the offer. They either accept it or counter offer. If they say no way and wont' work with you, then take your business elsewhere. It isn't the last machine and there are plenty out there.

I agree with Minimalist... if you are solid enough to go into business with a machine then it should not be hard to get a bank or a credit union even to gladly loan you the money even in today's world. If you are not then you probably need to be working for someone else until you are because you probably won't make it. Sorry, but it is usually true.