hospitality · Equipment & asset finance
POS system finance
POS is part hardware, part subscription. We structure the funding over a short term so you are not paying for a terminal long after it has been replaced.
What is pos system finance?
POS system finance is funding for point-of-sale hardware and software — terminals, printers, cash drawers, kitchen displays and the software licences that run them — usually structured as a technology finance or rental arrangement rather than a long-term loan.
Point-of-sale has shifted from a box in the corner to a cloud service with a screen attached. Modern systems handle ordering, payments, stock, rostering, loyalty and reporting, and most are sold as a monthly subscription with hardware supplied alongside. That changes the finance question: you are usually funding hardware with a short life plus a service you pay for monthly.
For that reason POS is best funded over a short term, or through a technology rental that bundles hardware and licences into one monthly payment. A five-year loan on a terminal you will replace in three is money wasted. Where POS forms part of a larger fit-out or equipment package, it can often be included in that facility, which avoids the minimum-amount problem small POS deals run into.
POS system finance at a glance
| Typical price range | $3,000 – $60,000 |
|---|---|
| Finance term | Up to 48 months |
| Useful life | About 5 years |
| New or used | New hardware is the norm because POS is usually bought bundled with software; used terminals are rarely financed as their standalone value is minimal. |
| Indicative rates (Technology finance) | 8% – 18% p.a. · rate history |
| Finance structures | Technology finance (recommended), Operating lease, Fit-out finance |
How lenders assess pos system finance
POS hardware has very low resale value, so lenders treat it as technology rather than equipment and keep terms short, typically 24 to 48 months. Software licences and subscriptions can often be bundled into a technology finance or rental agreement, which is how most POS is funded. Small deals may fall below a lender’s minimum funding amount and are usually bundled with a wider fit-out or equipment package. Established businesses are approved quickly on light documentation.
Before you buy
- Check whether you are buying hardware or renting it under a software subscription, since the total cost differs considerably.
- Confirm the system integrates with your accounting, online ordering and payment provider before you commit.
- Ask what happens to your data and hardware if you leave the software provider partway through a term.
Commonly financed
Lightspeed Restaurant and Retail · Square Terminal and Register · Kounta by Lightspeed · Impos hospitality POS · Vend and Shopify POS hardware
Estimate pos system repayments
- Number of repayments
- 48
- Balloon at end of term
- $6,400
- Total interest (est.)
- $9,402
- Total repaid (est.)
- $41,402
This calculator provides an estimate only and does not account for fees, charges or the specific terms a lender may offer. It is not financial advice or an offer of finance.
Key terms
What is POS system finance?
POS system finance is funding for point-of-sale hardware and software, usually structured as technology finance or a rental agreement. Terms are typically 24 to 48 months because the hardware has a short useful life and low resale value.
Can software subscriptions be financed?
Yes, in some cases. Technology finance and rental agreements can bundle software licences and subscription costs with hardware into one monthly payment. Not every lender does this, and the arrangement is usually kept to a short term matching the licence period.