Can UK Business Loans Help Finance Equipment for Pub Kitchens and EPOS?

Short answer: Yes — UK Business Loans can help pubs source finance for kitchen equipment and EPOS systems by matching you with specialist lenders and brokers. We do not lend ourselves: we introduce your enquiry to providers who offer asset finance, hire purchase, leases and supplier-led options. Complete a quick, no‑obligation enquiry for a free eligibility check and fast quotes.

Disclaimer: UK Business Loans is an introducer; we do not provide loans or regulated financial advice. Making an enquiry does not affect your credit score.

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Table of contents

• Quick summary: what we can connect your pub with
• How pub equipment finance and EPOS funding works
• Specifics for pub kitchens
• Financing EPOS, tills and tech for pubs
• Common lender criteria for pubs
• Costs, fees and compliance — what to expect
• Why use UK Business Loans to find pub equipment finance?
• Case studies and quick examples
• Frequently asked questions
• Ready to get a fast quote?

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Quick summary: what we can connect your pub with

• Asset finance and equipment finance (new or used commercial kitchens)
• Hire purchase (own the equipment at the end of term)
• Finance lease and operating lease (off‑balance options)
• Chattel mortgage and specialist hospitality lending
• Working capital and short‑term merchant finance for seasonal needs
• Fit‑out and refurbishment finance (kitchen + bar upgrades)
• EPOS/technology leasing, subscription and bundled supplier finance
• VAT funding and deferred payment options (via lenders that provide this)

Get a Free Quote — 2‑Minute Enquiry

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How pub equipment finance and EPOS funding works

Types of funding (short explainer)

There are several routes to finance equipment and EPOS for a pub. The right option depends on whether you want to own the asset, preserve cash, or keep upgrade flexibility:

• Hire purchase — you pay monthly and own the equipment at the end. Good when ownership and capital allowances are important.
• Finance lease / operating lease — lower upfront cost; often used for technology where you expect faster obsolescence.
• Asset refinance / chattel mortgage — secured against the asset but structured differently for accounting/tax reasons.
• Supplier or vendor finance — bundled with installation and support; can include deferred payments.
• Merchant/working capital — short-term funds for stock or seasonal peaks while you upgrade equipment.

Typical project sizes: a single EPOS terminal or small cooker may be £1k–£10k (supplier subscriptions often start lower), but UK Business Loans focuses on finance arrangements from around £10,000 and upwards for structured equipment or fit‑out funding.

Typical eligibility and documents lenders look for

• Company trading history (typically 12+ months preferred for many lenders)
• Annual turnover and recent bank statements
• Director ID and basic credit/background checks
• Supplier quotes or invoices and equipment specifications
• For larger projects: P&L, cashflow forecast or simple business plan
• Landlord consent if the work affects fixed property (extraction units, ducting)

Timeframes — from enquiry to funds

After you submit an enquiry we match you to lenders/brokers who specialise in hospitality. Responses can come within hours for straightforward EPOS or single‑item finance; larger kitchen fit‑outs typically take a few days to a few weeks to finalise once paperwork and site visits (if required) are complete.

Free Eligibility Check

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Specifics for pub kitchens: ovens, refrigeration, extraction and more

Pub kitchens commonly need large capital items: ranges, combi ovens, fryers, refrigeration, extraction systems, stainless worktops and hot/cold display units. These items carry different finance and installation considerations.

• Cost brackets (broad): a single high‑end oven or extraction system can be £10k–£50k+; a full kitchen refit often runs well above £50k depending on scope.
• Asset finance suitability: Durable, long‑life equipment is ideal for hire purchase or asset finance so you spread cost while using the asset immediately.
• VAT and tax: VAT treatment varies by product and funding; consult your accountant. Some lenders can help with VAT funding options to ease cashflow.
• Maintenance and warranties: Many lenders will allow maintenance contracts to be bundled into the finance package to simplify cashflow and reduce unexpected costs.

Mini example: A local pub financed a new fryer, refrigeration and extraction via hire purchase spread over 4 years. Monthly payments preserved working capital, allowing the owner to stock up for a seasonal boost in trade.

Free Eligibility Check — Speak to hospitality finance specialists

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Financing EPOS, tills and tech for pubs

Why fund EPOS systems?

Upgrading EPOS improves speed of service, inventory control, data reporting and integration with accounts or loyalty schemes. Many pubs upgrade to contactless ordering, mobile pays and kitchen printing/queue management.

Best finance routes for EPOS

• Short-term lease / subscription — ideal for tech that becomes obsolete quickly.
• Equipment finance / hire purchase — suits hardware-heavy rollouts where you want to own terminals.
• Bundled supplier deals — EPOS providers often offer finance packages including installation and training.
• Zero-deposit options — some vendors will provide devices for a small monthly fee, useful for tight cashflow.

Key considerations

• Plan for obsolescence — choose terms that match expected upgrade cycles (typically 2–4 years for EPOS).
• Ensure support and backup are included or available separately.
• Check compatibility with your accounting/ECR systems and any till license fees.

Get Quote Now — EPOS finance options

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Common lender criteria for pubs (what lenders and brokers ask)

• Credit profile of the company and directors
• Trading performance and seasonality (wet-led pubs have different cashflow patterns)
• Turnover and profitability
• Single-site vs multi-site and whether the premises are freehold or leasehold
• Whether landlord or planning consents are needed for major works
• Supplier quotes and expected uplift in revenue from upgrades

Preparation tips: have recent accounts or management accounts ready, obtain 2 supplier quotes where possible, and provide a short note on how the new equipment will improve revenue or efficiency.

Start Your Free Enquiry — 2‑minute form

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Costs, fees and compliance — what to expect

Typical cost elements:

• Interest rate or factor rate (varies by lender and credit profile)
• Arrangement or documentation fees
• Deposit or initial rental in some deals
• VAT on purchase price (finance treatment varies)
• Early settlement charges on some products

Important compliance note: UK Business Loans is an introducer; we do not lend or provide regulated financial advice. We will share your enquiry with suitable lenders/brokers who may contact you. Completing an enquiry is not an application and does not affect your credit score.

Free Eligibility Check — No obligation

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Why use UK Business Loans to find pub equipment finance?

• Fast matching to lenders and brokers who understand hospitality and pub trading.
• We save you time — one short form connects you to multiple specialist partners.
• Free, no‑obligation service — you decide whether to progress any offers.
• We typically arrange finance from around £10,000 upwards for equipment and fit‑outs.
• Your details are shared only with approved partners who can help with your request.

Find out more about our approach to pubs and hospitality by visiting our pubs sector guide on pubs business loans.

pubs business loans

Get a Free Quote Now — 2‑Minute Enquiry

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Case studies and quick examples

Case 1 — Kitchen refit (anonymous)
A county pub replaced its 15‑year‑old range, refrigeration and extraction with a hire purchase deal. Result: predictable monthly costs, improved menu capacity and higher weekend covers. Repayments matched to seasonal cashflow.

Case 2 — EPOS rollout
A three‑site operator chose a subscription EPOS package across all bars to unify stock control and loyalty. Result: centralised reporting, reduced wastage and measurable uplift in repeat trade.

Get Matched With Lenders — Free & No Obligation

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Frequently asked questions (FAQ)

Can you finance used kitchen equipment?

Yes — some lenders will finance used equipment depending on age, condition and residual value. We’ll match you to lenders who handle used assets.

Will applying affect my credit score?

No. Completing our enquiry does not affect your credit score. Lenders may run credit checks only later if you formally apply.

How quickly will a lender contact me?

Often within hours for simple requests; larger packages may take several days for underwriting and quotes.

Do you lend directly?

No. We introduce you to lenders and brokers who contact you with tailored offers. Our service is free to use.

Can pubs with imperfect credit apply?

Yes. Some specialist lenders consider businesses with adverse credit. Submit your enquiry for an eligibility check and we’ll match you appropriately.

Do you help with landlord consent or planning works?

We don’t handle consents directly, but we can introduce lenders who understand consent requirements and may advise on documentation lenders typically require.

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Ready to get a fast quote for pub kitchen equipment or EPOS?

Our service is free, quick and no obligation. Complete a short enquiry and we’ll match your pub with specialist lenders and brokers who can provide quotes and next steps.

Start Your Free Enquiry

Your details are shared only with approved partners. UK Business Loans is an introducer; we do not lend or provide regulated financial advice. For full terms see our Privacy Policy and Terms & Conditions.

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Other useful pages: Home • Asset finance • Hospitality loans • FAQs

1. What types of finance can I get for pub kitchen equipment and EPOS?
– You can access asset finance, hire purchase, finance or operating leases, chattel mortgages, supplier/vendor finance and short‑term working capital for EPOS and kitchen fit‑outs.

2. How much can I typically borrow for pub equipment or a kitchen refit?
– UK Business Loans typically arranges structured equipment and fit‑out finance from around £10,000 upwards, though supplier subscriptions and smaller vendor deals can start lower.

3. Will submitting an enquiry through UK Business Loans affect my credit score?
– No — completing an enquiry is not a formal application and will not affect your credit score, although lenders may run checks later if you apply.

4. Can I include VAT or deferred payments in my equipment finance package?
– Yes — some lenders offer VAT funding or deferred payment options to ease cashflow, and we’ll match you with partners who provide these facilities.

5. Can I finance used kitchen equipment for my pub?
– Yes — many lenders will consider used equipment finance depending on the asset’s age, condition and residual value, and we can match you to those specialists.

6. What documents and information do lenders usually ask for when applying for pub equipment finance?
– Lenders typically request company trading history (often 12+ months preferred), recent bank statements, turnover figures, director ID and credit checks, supplier quotes/invoices, and for larger deals P&L, cashflow forecasts and landlord consent if required.

7. How quickly will I receive quotes for EPOS or kitchen finance?
– Simple EPOS or single‑item enquiries can generate responses within hours, while larger kitchen fit‑outs normally take a few days to a few weeks to finalise once paperwork and any site visits are completed.

8. Should I choose hire purchase, a lease or a subscription for EPOS systems?
– Choose hire purchase if you want to own the equipment and benefit from capital allowances, or a lease/subscription if you prefer lower upfront costs and easier upgrades for fast‑moving technology.

9. Can pubs with imperfect credit or limited trading history get finance?
– Yes — some specialist lenders and brokers work with businesses that have adverse credit or limited trading history, and we’ll match your enquiry to the most appropriate partners.

10. Does UK Business Loans lend directly and are your partners regulated?
– No — UK Business Loans is an introducer that does not lend or provide regulated financial advice, and we only connect you with approved brokers and lenders who operate under FCA rules and secure data handling.