Finance question
Can I finance a POS or payment system?
Yes. A point of sale setup, the terminals, tablets, cash drawers, printers and the software licences that run them, is a standard equipment finance deal. It is secured by the hardware, funded across 40+ lenders, and often approved low-doc in 24 to 48 hours.
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The short answer
A till fit-out is a fundable asset
A modern POS is more than one terminal. A cafe or retail store usually buys a bundle: touchscreen terminals, a receipt printer, a barcode scanner, cash drawers, an EFTPOS reader and the software subscription that ties it together. Because that hardware holds value and stays in the business, lenders treat the package as security and fund it the same way they fund a vehicle or a machine.
The amounts are typically modest, a single-lane cafe setup can sit in the low thousands, while a multi-register retail or hospitality rollout across several sites can run into the tens of thousands. That whole range fits comfortably inside equipment finance, which goes up to $500,000, so you are rarely near the ceiling.
Small-ticket technology deals like this are where low-doc and no-doc lending shines. On smaller amounts many lenders ask for little more than an ABN and a clean recent history, so you avoid handing over tax returns to fit out a counter. We place the deal with the lender that prices this kind of asset best.
Do you qualify?
What makes a POS deal fundable.
A retail or hospo business
Cafe, restaurant, salon, shop or market stall all fit.
An active ABN
Sole traders and companies both qualify.
A hardware quote
The terminals and peripherals give the loan its security.
Small-ticket, fast
Lower amounts often clear low-doc in a day or two.
Why financing the till makes sense
Keep your cash
Spread the fit-out cost instead of draining working capital at open.
Hardware is security
The terminals and drawers secure the loan, so lenders price it keenly.
Software can ride along
Many lenders let the setup and licence costs sit inside the same facility.
A real example
A new suburban cafe needs a full counter: two terminals, a kitchen printer, an EFTPOS reader and a year of POS software, quoted at $9,400. Funded on a low-doc equipment facility secured by the hardware, approved next day, so the owner opened without touching their fit-out budget. Illustrative only.
Common questions
Frequently asked questions
Can the POS software be financed too, not just the hardware?
Often yes. Many lenders let the setup fee and the software licence sit inside the same facility alongside the terminals and peripherals.
Is a small POS amount worth financing?
It can be. Spreading even a few thousand keeps cash free for stock and rent, and small-ticket deals are usually the fastest to approve.
Do I need trading history to fund a till for a new store?
Not always. On smaller amounts many lenders work off an ABN and a clean recent record, so brand new businesses can still qualify low-doc.
How fast can it be approved?
Small-ticket technology deals often clear within 24 to 48 hours once the hardware quote and your details are in, subject to lender assessment.