Today’s restaurants run on technology—and a powerful, modern point-of-sale (POS) system is essential for managing orders, payments, tables, inventory, and customer data. But between hardware, software, and setup, costs can quickly add up. The good news? You don’t have to pay upfront. Here’s how restaurants can finance POS systems without draining their cash flow.
Can restaurants finance point-of-sale systems?
Yes, restaurants can finance POS systems through leasing, equipment financing, or vendor installment plans with affordable monthly payments.
POS systems are no longer just cash registers—they’re the central nervous system of modern restaurants. A fully integrated POS setup often includes:
Touchscreen terminals
Receipt printers
Kitchen display systems (KDS)
Payment processors (EMV, tap, mobile pay)
Inventory and employee management software
Depending on the provider and size of your operation, total setup can cost $1,500 to $10,000+.
Many providers (e.g., Toast, Clover, Square) offer monthly leasing plans
Bundles hardware, software, updates, and sometimes support
Often no credit check or upfront capital needed
Perfect for startups or fast-paced environments
Finance 100% of your POS hardware and installation
Own the system at the end of the loan
Terms from 12 to 60 months
Works for multi-location restaurants or franchises
Related: Equipment Financing 101: Everything You Need to Know
Use funds to purchase POS along with other upgrades
Flexible use of capital
Best for restaurants needing full control of their tech stack
Before you commit, make sure to:
Compare vendor pricing and financing terms
Confirm monthly payment includes software updates & support
Understand contract length, early termination clauses, and equipment return policies
Choose a POS that scales with your restaurant (multi-location, mobile, delivery, etc.)
| POS System Type | Upfront Cost | Lease/Finance Term | Estimated Monthly Payment |
|---|---|---|---|
| Starter Terminal Kit | $1,500 | 24 months | ~$65 |
| Mid-Size Setup | $4,000 | 36 months | ~$130 |
| Full-Service POS + KDS | $7,500 | 48 months | ~$180 |
✅ Low initial investment
✅ Predictable monthly expenses
✅ Access to the latest tech
✅ Easy upgrades or add-ons
✅ Possible tax deduction for lease payments
Vendor leasing programs
Equipment financing loans
Small business loans or credit lines
Choose based on your size, growth plan, and cash flow needs.
Your POS system shouldn’t slow you down—or your finances. With flexible financing options, restaurants of all sizes can access modern tech that drives growth, improves customer experience, and simplifies operations.
Need to upgrade or install a new POS system?
Explore financing plans now and find the perfect fit for your restaurant—without a heavy upfront cost.