In-house
financing is not offered by anyone. They say they do, but reality is, they refer you out to someone. If you are going to lease, try a reputable company that does tanning; Evans is one of the best. And unlike others, they will work with an upstart as yourself.
Any distributor offering 'in-house', is more than likely getting a kickback. In essence, they are getting your money twice. Don't do it!