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.
- FCA regulatedAppointed Representative, FRN 1031964
- 60+ lendersWhole-of-market panel, not one bank
- 5.0 from 19 Google reviews
- No credit checkEnquiring leaves no mark on your file
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.
Who finances this
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.
How lenders see 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.
Buying used
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.
Also in catering and hospitality finance
See everything we fund in catering and hospitality finance →
Funding a seasonal trade
Flowzo funds restaurants, pubs and cafes against card takings rather than filed accounts, useful when the kit is bought and the quiet months still have to be covered.
Machines we have funded
| 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 |
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.
Tell us what you need
About a minute of plain questions, and no documents to dig out.
Prime is established and profitable with clean credit. Specialist covers newer businesses and credit that needs explaining, the asset carries part of the risk, so finance is often available where an unsecured loan is not.
Illustrative only, not a quote, a flat rate is not an APR, so the APR on a given agreement will be higher. VAT and fees excluded.
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Your adviser
Conor HullMon to Fri, 9am–6pm
5.0 from 19 Google reviews
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