Paper tickets fall off rails and get lost in the weeds, and kitchens running delivery alongside dine-in usually reach the point where a screen is the only answer.
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Yes, though almost never as a standalone facility. A kitchen display system is a set of screens, controllers and mounts with a software layer, and the hardware is fundable while a monthly software subscription is not. It is normally funded as part of an EPOS project rather than alone, because the hardware value on its own is small. Used KDS hardware is rarely funded. The point to check is integration: a screen system that does not talk properly to your till and your delivery platforms creates more work than it removes.
Used kit: Rarely. Display hardware has minimal resale value and is usually tied to current software versions, so funders expect new equipment supplied by the EPOS provider.
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Business asset finance is quoted on a flat rate, so that is what this shows — with the equivalent APR underneath, because the two are not the same number. A quick guide only; your actual rate depends on the asset, term, deposit and lender.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 6.0% flat rate (equivalent to 11.5% APR representative), you would repay around £646 a month; total amount repayable approximately £31,000, of which £6,000 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. CW Asset Finance is an Appointed Representative of Rural Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630701).
Screens and controllers are soft assets in the plainest sense: they depreciate quickly, there is effectively no used market a funder would rely on, and the value sits in the software rather than the glass. Funders write these as technology facilities against the strength of the business, which means filed accounts, bank conduct and trading period do the work. Hospitality is already a cautious sector and a delivery-only operator with short trading history will find it harder still. The practical route is to bundle the KDS into the EPOS facility, where terminals, handhelds, printers and screens together make a facility worth underwriting and the funder assesses one project rather than a handful of monitors.
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 TouchKitchen | Kitchen screens linked to the tills |
| Zonal kitchen management screens | Order display for busy kitchens |
| QSR Automations ConnectSmart Kitchen | Order routing and display platform |
| Lightspeed Kitchen Display | Cloud kitchen screen for restaurants |
| Elo I-Series kitchen terminal | Touchscreen kitchen display computer |
| Elo 2094L open-frame monitor | Wipe-clean screen for hot sections |
| Logic Controls bump bars | Sealed keypads for kitchen screens |
| Epson TM-U220 | Impact printer for kitchen sections |
| Star Micronics SP700 | Impact kitchen printer for hot areas |
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Delivery-heavy kitchens juggling orders from several aggregator platforms alongside dine-in, quick-service and casual sites where ticket times are measured, and restaurant groups wanting consistent kitchen data across the estate. The trigger is usually the moment a kitchen starts losing orders during a peak, or a franchisor mandating a specification. Dark kitchens fit them from day one because they have no other way to sequence.
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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.
Usually the value is too low for a standalone agreement, so it is funded within the wider EPOS project. That is also the sensible way to buy it, since a KDS only works when it is properly integrated with the till and the online ordering channels. One facility covering the whole system avoids the minimum-ticket problem entirely.
No. Recurring software fees are a service with nothing to recover, so they remain a monthly overhead. Hardware — screens, controllers, mounts, bump bars — is fundable, as is any perpetual licence bought outright. If the bulk of your cost is subscription, a business loan is the more realistic route.
Commercial-grade units from suppliers like Elo are built for heat, steam and grease and last considerably longer than a consumer monitor, which is why they cost more. Funding them over a sensible period matches the cost to the years they work. Do not fund consumer displays that will fail in a kitchen environment.
Yes, but expect more questions. Delivery-only operators often trade from short licence agreements in shared facilities and may have limited history, both of which make underwriters cautious. Having accounts, platform statements showing consistent order volumes and a clear picture of your occupancy arrangement will make the conversation shorter.
On hire purchase they become yours once the final payment clears, though by then the software may have moved on. On a lease the equipment goes back or you refresh onto current hardware, which suits technology better than ownership does. Choose the structure that matches how often you expect to upgrade.
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
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