So many of the things we like to embroider are best "hooped" without actually hooping... towels, sweatshirts, velvets or other fabrics with nap, quilts where hoop marks may show. There are several options for doing this...
Are you a garment maker? If so then you know good fit is as important as good construction!
What does this have to do with saving money on machine embroidery?! One of the best ways to get great fit is to make a muslin - a test garment. Make and mark adjustments right onto the muslin fabric!