Finance EPOS Systems, Card Terminals & Retail Technology for Retailers
Can’t afford new EPOS or card terminals right now? Don’t lose sales — finance them. In short: yes. UK Business Loans can match UK retailers with lenders and brokers able to fund EPOS/POS systems, card terminals and wider in‑store technology. Complete a quick enquiry and get a free eligibility check so you can compare options without obligation.
Quick answer — can you finance EPOS, card terminals & retail tech?
Yes — retailers can finance EPOS/POS systems, card terminals and other retail technology through lenders and brokers introduced by UK Business Loans. Equipment is treated as a business asset, so options like asset finance (hire purchase, finance lease), equipment leasing, or business loans are commonly used. If your store relies on card payments or fast stock control, financing lets you spread the cost and upgrade without a large upfront hit to cashflow.
What equipment can be financed?
Retailers can usually finance most hardware and many bundled technology services used in-store. Typical items include:
- Full EPOS / POS systems — cloud-based terminals, till software and server hardware
- Card terminals — countertop, portable and mobile contactless readers
- Barcode scanners, label printers, receipt printers and cash drawers
- Tablet POS systems and customer-facing displays
- Self-checkout kiosks and automated tills
- In-store tablets, digital signage and customer engagement screens
- Networking equipment — routers, Wi‑Fi and switches for multi-site rollouts
- Integrated inventory & stock management software when bundled with hardware
Many lenders will include installation, training, warranty and maintenance in a single finance package so you pay one monthly amount rather than several separate bills.
See lenders who finance full retail tech setups — Get Quote Now
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Finance types suited for retail tech
No single finance product fits all retailers. The right option depends on whether you want ownership, how long you’ll use the kit, and your cashflow profile. Common routes include:
Asset finance / Equipment finance (Hire Purchase & Finance Lease)
Hire Purchase (HP) is common: pay a deposit (sometimes 0%), then fixed monthly payments. Ownership typically transfers at the end of the term once the final payment is made. Finance leases let you use the equipment for the term while the lender retains ownership; options at term include renewal, replacement or purchase.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Leasing & subscription models (Hardware-as-a-Service)
Leases and HaaS models spread cost with lower upfront outlay. HaaS often includes software updates and support — ideal for cloud EPOS where you want ongoing maintenance and upgrades.
Business loans (secured & unsecured)
If you prefer to own outright, a business loan can finance the purchase. Secured loans may offer better rates but require security against business assets.
Merchant cash advance / POS-coupled lending
These products are repaid from card takings and can be fast to access for high-card-sales retailers, but they are often more expensive and structured differently (e.g., factor rates rather than APR).
Typical term lengths: 12–60 months. Typical amounts we help arrange start from around £10,000 and can go much higher for multi-site rollouts. If your requirement is under our minimum, we’ll advise alternative routes.
Not sure which suits you? Get a free eligibility check
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Who can apply and what lenders need
UK Business Loans introduces lenders and brokers to a wide range of retail businesses — from independent shops to established limited companies, partnerships, franchises and multi-site chains. We do not handle enquiries for loans below the typical minimum of £10,000.
Common lender requirements include:
- Basic business details and trading history (some lenders accept newer businesses; asset-backed deals can be easier)
- Recent bank statements (commonly 3–12 months)
- Turnover and brief financials
- Credit profile — many lenders accept imperfect credit depending on structure and security
- Supplier quote, pro‑forma invoice or order confirmation for the equipment
Quick tip: ask your supplier to provide a single pro‑forma that bundles hardware, installation and ongoing support — that single document can often be financed in one contract.
Typical costs, APR ranges and what affects pricing
Costs depend on the product, term, deposit, credit risk and whether the finance is secured. Typical drivers:
- Asset age and remaining useful life
- Length of the agreement
- Deposit or initial rental
- Business creditworthiness and turnover
- VAT treatment — financed VAT is commonly included but handling varies
- Whether the lender takes a fixed charge over assets or requires other security
Indicative ranges (examples only): asset finance and hire purchase can be competitively priced; business loans vary; merchant cash advances usually have a higher effective cost. Exact figures and representative APRs will come from the lender you choose — UK Business Loans introduces you to providers who will give full cost transparency if you proceed.
Benefits of financing retail tech
- Preserve working capital for stock, rent or payroll
- Match payments to the revenue the equipment helps generate
- Roll out upgrades quickly to stay competitive
- Include installation, training and warranty in one plan for simplicity
- Potential tax advantages depending on the finance product — consult your accountant
How UK Business Loans matches you to lenders (our process)
- Complete a short enquiry — equipment type, amount required, contact details (2 minutes).
- We select lenders and brokers with experience in retail and equipment finance and share your enquiry with those best placed to help.
- Receive live quotes or a lender call-back — often within hours during business times.
- Choose a provider and progress the application — lenders/brokers handle approvals, delivery and funding.
Our service is free, secure and no-obligation. The enquiry is not a credit application — lenders will carry out formal checks only if you decide to proceed.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Example scenarios
1. Boutique fashion store
Need: a tablet EPOS and contactless card terminal. Solution: hire purchase for £4,500 over 36 months. Benefit: predictable monthly payments, ownership at term.
2. Multi-site convenience chain
Need: rollout of self-checkout kiosks across 12 stores. Solution: multi-asset finance with staged drawdowns and a negotiated maintenance package. Benefit: staged investment and centralised billing.
3. Pop-up and market traders
Need: short-term tablet POS + mobile card reader. Solution: short-term lease or subscription (HaaS) to suit seasonal trading. Benefit: low upfront cost and easy return at season end.
Common FAQs
Can UK Business Loans finance EPOS and card terminals?
Yes. We introduce you to lenders and brokers who offer asset finance, hire purchase, leasing and business loans suitable for EPOS and card terminals. Submit a short enquiry and we’ll match you to the best-fit providers.
How much can I borrow to buy retail tech?
We generally work with lenders for amounts from around £10,000 upwards for equipment packages, though some partners can help with higher values for multi-site projects.
Will applying affect my credit score?
No — submitting an enquiry with UK Business Loans does not affect your credit file. Lenders may perform credit checks later if you decide to apply through them.
Can new retailers and recently formed companies get EPOS finance?
Yes — many lenders provide asset-backed finance to newer businesses, particularly where the equipment itself provides sufficient security.
Can I finance software or subscription costs?
Some lenders will finance bundled solutions that include hardware and associated software licences or initial subscription costs if included on a supplier invoice.
Is VAT included in finance deals?
VAT is often included in the financed amount and repaid over the term. VAT rules vary, so speak to your accountant and the lender for specifics.
How long until funds are available?
Early lender responses commonly come within hours. Formal approvals and funding vary by product — asset finance often completes in days to a few weeks; merchant-style products can be quicker but have different cost structures.
What documents do lenders need?
Typically: business details, recent bank statements, supplier quote/pro‑forma and basic financials. Exact requirements differ by lender.
What if I have poor credit?
Many lenders consider the overall business case; asset-backed finance can be an option even when credit histories aren’t perfect. Complete an enquiry so we can match you to suitable partners.
Do you charge for the service?
No — submitting an enquiry is free and carries no obligation. We are paid by lenders/brokers for successful introductions.
Next steps — get a free eligibility check
If you need EPOS, card terminals or wider retail tech, the fastest way to see what’s available is to complete our short enquiry. We’ll match your request to lenders/brokers experienced in retail technology and get you quotes to compare.
Get Quote Now — Free Eligibility Check
Prefer to browse more? Read about our work with retailers on our related page for retailers shop business loans.
1. Can I finance EPOS systems, card terminals and other retail technology?
Yes — UK Business Loans can match you with lenders and brokers who provide asset finance, hire purchase, leasing, business loans and merchant-style products to fund EPOS, card terminals and wider retail tech.
2. What types of finance are available for retail equipment?
Common options include asset finance (hire purchase and finance lease), equipment leasing/HaaS, secured or unsecured business loans and merchant cash advance/POS-coupled lending.
3. How much can I borrow to buy EPOS or retail tech?
Most lender partners handle equipment packages from around £10,000 upwards, with higher limits available for multi-site rollouts or larger projects.
4. How quickly can I get quotes and funding for retail tech finance?
You’ll often hear from lenders or brokers within hours of submitting an enquiry, with formal approvals and funding typically completing in days to a few weeks depending on the product.
5. Will submitting an enquiry affect my credit score?
No — completing a free enquiry on UK Business Loans does not affect your credit file; lenders only perform formal credit checks if you choose to proceed with an application.
6. Who can apply for equipment finance or a business loan through UK Business Loans?
We introduce lenders who work with sole traders, limited companies, LLPs, start-ups, franchises and multi-site retailers, subject to lender-specific eligibility and minimum amounts.
7. What documents do lenders usually require to finance EPOS or card terminals?
Typical requirements are basic business details, recent bank statements (commonly 3–12 months), turnover/financials and a supplier pro‑forma or quote for the equipment.
8. What affects the cost and APR of retail tech finance?
Pricing depends on the finance product, term length, deposit or initial rental, business creditworthiness, asset age/useful life and whether additional security is required.
9. Is VAT included when financing equipment like EPOS systems or card terminals?
VAT is often included in the financed amount and repaid over the term, but treatment varies by lender so check with your accountant and the provider for specifics.
10. Does UK Business Loans charge a fee or provide regulated financial advice?
No — our service is free and no-obligation; we act only as an introducer connecting you with vetted lenders and brokers (who are responsible for any regulated advice).