EPOS system finance
A till is no longer a till, and replacing one now means terminals, handhelds, printers, a kitchen screen and a software platform underneath it all.
Whole-of-market — 60+ lenders searched, including
Can you finance an EPOS system?
Yes, with a clear split. The hardware — terminals, handhelds, printers, cash drawers, screens — is fundable as equipment on hire purchase or lease, and so is a perpetual software licence bought outright. A monthly software-as-a-service subscription is not an asset, so it cannot go on an equipment agreement and stays as a running cost. Used EPOS hardware is rarely worth funding. The practical catch is that most modern restaurant systems are sold as low-cost hardware plus a per-terminal monthly fee, which leaves less to fund than operators expect.
Used kit: Rarely. Second-hand EPOS hardware carries little value and support is usually tied to current models, so funders prefer new equipment from the system supplier.
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What would an EPOS system cost per month?
Asset finance is quoted on a flat rate, so that is what the buttons show, with the equivalent APR beside it. Your exact rate depends on the asset, the term, the deposit and the lender.
Prime is an established, profitable business with clean credit. Specialist covers newer businesses and credit that needs explaining — the asset itself carries part of the risk, which is why finance is often available where an unsecured loan is not.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 5.15% flat rate (equivalent to 9.9% APR representative), you would repay around £628 a month; total amount repayable approximately £30,150, of which £5,150 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and may receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval.
Rates shown are indicative flat rates with the equivalent APR alongside — the two are not the same number. Indicative only and does not constitute a quote or an offer of finance. Subject to status and lender approval.
How lenders treat it
EPOS is close to a pure soft asset. Terminals depreciate fast, second-hand hardware has almost no trade value once it is a generation behind, and the software that makes it useful is licensed rather than owned. Funders therefore lend against the business, not the tills. That said, IT and software facilities are a well-established part of the asset finance market, and several funders are comfortable writing them for established operators with filed accounts and clean bank conduct. Hospitality carries its usual loading and new sites are difficult. Where a system is sold as cheap hardware plus a subscription, expect the funder to advance only against the hardware and any outright licence, and consider an unsecured business loan if you want the whole project covered.
Makes and models we fund
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| ICRTouch TouchPoint | Till software on touchscreen terminals |
| ICRTouch TouchOffice Web | Cloud back office reporting for tills |
| Zonal Aztec EPOS terminal | Hospitality till terminal for pubs |
| Lightspeed Restaurant terminal | Cloud point of sale for restaurants |
| Epos Now Pro terminal | All-in-one till for smaller sites |
| Square Terminal | Handheld card and till device |
| Elo I-Series Android terminal | Touchscreen till computer for counters |
| Epson TM-m30III | Compact receipt printer for tills |
| Star Micronics mC-Print3 | Compact network receipt printer |
| Zebra TC22 handheld | Rugged handheld for table ordering |
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Who buys one
Restaurants and pubs replacing a system that no longer talks to delivery platforms or online bookings, multi-site operators standardising so reporting is consistent, and hotels integrating food and beverage with the property management system. The trigger is often a supplier withdrawing support for old hardware, a card payment change, or the point at which manual reconciliation between three platforms becomes a job nobody wants to keep doing.
Get a quoteor call 0333 772 4864
How it is treated for tax
Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
EPOS system finance questions
Can I finance the EPOS software as well as the tills?
Only where the software is bought outright as a perpetual licence, which some UK hospitality systems still offer. A monthly cloud subscription is a service and cannot sit on an asset agreement. If the software cost is the larger part of your project, an unsecured business loan often covers the whole thing more cleanly.
Is EPOS worth financing given how fast it dates?
Often yes, precisely because it dates. Matching the payments to the useful life of the hardware rather than paying cash for kit you will replace in a few years is sensible, and a lease can be structured so you refresh rather than own obsolete terminals. What you should avoid is funding hardware over longer than it will realistically last.
Can handhelds and kitchen printers go on the same agreement?
Yes, and they should. Handheld ordering devices, kitchen printers, cash drawers and card terminals all sit on the same schedule as the main tills, which keeps the facility to a sensible size and avoids the minimum-ticket problem that individual low-value items create.
Will a funder want to know who supplies the system?
Usually, yes. Funders prefer established EPOS suppliers who invoice properly, install, and support the system, because a half-installed platform from a supplier who disappears is a problem for everyone. Buying through a recognised hospitality EPOS provider makes the application simpler than buying assorted hardware from several sources.
Can I fund EPOS across several venues at once?
Yes. Rolling out one system across an estate is a common request and it funds well, because the combined value is substantial even though each terminal is not. One schedule listing the equipment site by site under one trading entity is the standard structure.
Get a quoteor call 0333 772 4864
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
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Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
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