Whether you operate a boutique clothing store, convenience shop, or multi-location retail chain, your point-of-sale system is the heart of your business. But POS systems can be expensive to purchase upfront—especially when you need multiple terminals, hardware, and software licenses.
That’s why many business owners turn to equipment financing for retail point-of-sale (POS) systems to get the tools they need today while preserving cash flow.
Yes! Retailers can finance POS systems through equipment loans or leases, spreading costs over time while accessing the latest technology.
A point-of-sale (POS) system includes both hardware and software used to process customer transactions. In retail, this often includes:
Touchscreen terminals
Barcode scanners
Receipt printers
Cash drawers
Inventory and customer management software
Payment processing devices
Modern POS systems also integrate with eCommerce, loyalty programs, accounting tools, and more.
Related: How Technology Is Shaping Equipment Leasing and Financing
Upgrading your POS system can streamline operations, reduce errors, and enhance customer experience. But top-tier systems can cost $2,000 to $10,000+ per terminal.
Low or no upfront cost
Predictable monthly payments
Fast access to current technology
Tax deductions through Section 179 (check with your CPA)
Flexible terms to match your business cycle
Bundled service agreements often included
Depending on your needs, financing can cover:
POS terminals and iPads
Cash drawers and printers
Card readers and payment processing hardware
Barcode scanners and inventory tracking tools
Installation and staff training
Software licenses and support contracts
✅ Many providers offer all-in-one POS bundles specifically for retail.
Ideal for short- to medium-term needs
Upgrade to newer models easily
Full-service leases often include maintenance
Best for long-term use or custom setups
Possible tax deductions and capital asset treatment
Offered directly by POS providers like Square, Clover, Lightspeed, or Toast
Often includes hardware + software in one monthly bill
Easy setup and integration with chosen platform
Tip: Ask vendors if they offer 0% interest promotions or deferred payments for new customers.
| Setup Type | Cost | Monthly (Lease, 36 mos) |
|---|---|---|
| Single terminal POS | $2,500 | ~$75–$95/month |
| Multi-terminal setup (3) | $7,200 | ~$210–$275/month |
| Full-service retail suite | $12,000+ | ~$325–$450/month |
To get started, you typically need:
Business license or EIN
Equipment quote or invoice
3–6 months of bank statements
Credit score
(600+ ideal, but flexible lenders available)
Business history (startups may still qualify)
You can finance POS systems through:
POS vendors like Square, Lightspeed, Clover, Toast
Retail-focused lenders such as National Funding or Crest Capital
Third-party leasing companies
Alternative finance platforms like Lendio or Fundera
Related: Evaluating Equipment Leasing Providers: What to Look For
POS systems can be financed through leases, loans, or vendor programs
Benefits include low upfront costs, tax deductions, and faster upgrades
Choose based on ownership goals, budget, and usage needs
A modern POS system helps you serve customers faster, track inventory better, and manage operations more efficiently. With equipment financing for retail POS systems, you can invest in smarter technology today—without draining your cash reserves.
Ready to streamline your retail operations?
Apply now for flexible POS equipment financing—tailored to your budget and business goals. Get expert support, fast approvals, and hardware that grows with you.