Self-service kiosk finance
Fund floor-standing or wall-mounted kiosks that take orders, check people in or handle payments, across a site or an estate.
Whole-of-market — 60+ lenders searched, including
Can you finance a self-service kiosk?
Yes, and kiosks are among the better technology assets to fund. A floor-standing unit is a substantial engineered enclosure with a screen, payment module and printer inside, it is bolted down, and there is a modest second-hand market. Agreements are usually hire purchase or lease. Used kiosks are occasionally funded where refurbished by the manufacturer. The catch is the software and integration: a kiosk is worthless without the ordering platform behind it, and that licence and its integration work are services the funder cannot recover.
Used kit: Yes, within limits. Manufacturer refurbished kiosks are resold with warranty and a few funders will consider them, although the age of the internal computer and payment module is examined closely.
Get a quoteor call 0333 772 4864
What would a self-service kiosk 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
Kiosks are a pleasant surprise in an otherwise soft sector. The enclosure is heavy gauge, engineered for public use, and the manufacturers refurbish and resell units, so there is something real behind the agreement. I still apply a haircut, because a kiosk is often branded and configured for one operator and the internals date at the same pace as any other computer. What I discount entirely is the ordering software, the menu integration and the payment gateway work. My questions are commercial: is the site established, does the volume justify the units, and is the operator experienced. Hospitality applicants with a trading record and a clear labour rationale go through easily.
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 |
|---|---|
| Elo I-Series self-service kiosks | Freestanding order terminals for venues |
| Elo 22-inch open-frame touchscreens | Touch panels for custom kiosk builds |
| NCR Voyix self-order kiosks | Ordering kiosks for hospitality sites |
| Zebra CC6000 customer concierge | In-store customer information terminal |
| Verifone unattended payment modules | Card payment units for kiosks |
| Ingenico unattended payment terminals | Card readers built into kiosks |
| Epson TM-m30III | Receipt printing module for kiosks |
| Honeywell scan engines | Embedded barcode scanning modules |
| Advantech self-service terminals | Kiosk computing platforms for retail |
Get a quoteor call 0333 772 4864
Who buys one
Quick service restaurants adding order points to cut queues, cinemas and leisure venues selling tickets at the door, GP surgeries and clinics handling patient check-in, and retailers running click-and-collect. The trigger is usually staffing: sites that cannot recruit enough counter staff, or operators trying to lift average spend through prompted upselling. Transport hubs, car parks and self-storage operators install kiosks so a site can trade outside staffed hours.
Get a quoteor call 0333 772 4864
We publish the deals we arrange, with no client named and no rate quoted. See what we have funded in IT and office equipment.
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.
Self-service kiosk finance questions
Are kiosks easier to finance than tills?
Modestly yes. A kiosk is a large, bolted-down, purpose-built enclosure that manufacturers refurbish and resell, whereas a counter terminal is a small commodity device. That gives a funder more comfort. The software behind both is equally unrecoverable, so your trading figures still carry most of the decision.
Can the ordering software and integration be included?
Yes, and it usually has to be, since a kiosk cannot function without it. Funders accept combined quotes covering hardware, software and integration to your EPOS or booking system. They simply treat the non-hardware portion as unsecured, which is why the application focuses on your accounts and trading record.
How many kiosks make a sensible application?
There is no fixed number, but a project covering several units across one or more sites presents better than a single terminal. Funders prefer a coherent deployment with a clear commercial purpose. If you are trialling with one unit, it is worth explaining the wider plan so the follow-on request is expected.
Can we fund kiosks for a healthcare or clinic setting?
Yes. Patient check-in kiosks are funded in the same way as ordering terminals, though private practices and clinics are assessed as businesses in the ordinary sense. NHS bodies operate under public sector procurement and borrowing rules, which is a different route entirely and needs establishing before an application is made.
What happens if we rebrand and the kiosks carry our old livery?
Rewrapping or replacing the graphic panels is straightforward and does not affect an existing agreement, since the underlying equipment is unchanged. It is worth noting, though, that heavy branding is one reason funders discount kiosk resale value, because a configured unit suits fewer potential buyers.
Get a quoteor call 0333 772 4864
Also in IT and technology finance
- Laptop and desktop finance
- Workstation finance
- GPU and AI compute finance
- Server finance
- Server room and rack finance
- Storage and backup appliance finance
- Network infrastructure finance
- Firewall and switch finance
- Structured cabling finance
- Wi-Fi infrastructure finance
- VoIP and telephony finance
- Video conferencing finance
- Digital signage finance
- Interactive whiteboard finance
- CCTV system finance
- Access control finance
- EPOS and point of sale finance
- Tablet and mobile device finance
- Printer and MFD finance
- Production print finance
- 3D printer finance
- Document scanning and management finance
- Software licence finance
- ERP system finance
- UPS and power protection finance
See everything we fund in IT and technology finance →
Not an offer of finance. All finance is subject to status, affordability and lender approval.
Get your quote
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 0333 772 4864 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.