EPOS Systems

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    EPOS Systems & Equipment Finance for UK Businesses

    Introduction

    In today’s fast-paced and highly competitive business environment, Electronic Point of Sale (EPOS) systems have become essential tools for companies across the UK. Whether you run a bustling retail store, a growing hospitality business, or a professional service practice, EPOS systems streamline transactions, enhance customer experiences, and deliver critical data insights to drive decision-making.

    Yet, while the benefits of EPOS systems are clear, the cost of acquiring and maintaining them can be significant. From advanced touchscreens and barcode scanners to cloud-based software integrations and omnichannel capabilities, modern systems represent a sizeable investment.

    This is where Gable Asset Finance steps in. We provide tailored finance solutions for EPOS systems, allowing UK businesses to spread the cost of equipment, preserve capital, and access the latest technology without large upfront payments.

    Our team of finance experts will guide you through the process, compare the best deals available in the market, and secure the right solution for your unique requirements.


    Why EPOS Systems Are Vital for UK Businesses

    EPOS systems are no longer optional; they’re central to the success of modern businesses. By automating transactions, providing real-time insights, and improving customer experiences, they help companies achieve greater efficiency, profitability, and competitiveness.

    Key Benefits

    • Enhanced Efficiency
      Automates order-taking, checkout, and billing. Reduces wait times and minimises manual errors.
    • Real-time Inventory Management
      Tracks stock accurately, reducing waste, preventing stockouts, and streamlining restocking.
    • Improved Customer Experience
      Faster checkouts, loyalty programmes, and personalised offers lead to better customer satisfaction.
    • Data-Driven Insights
      Provides valuable analytics on sales trends, customer behaviour, and peak activity periods.
    • Increased Profitability
      By cutting errors, optimising stock, and streamlining operations, businesses can improve margins.
    • Better Staff Performance
      Tracks employee sales and activity, giving managers insights to boost productivity.
    • Multi-Channel Selling
      Integrates with e-commerce systems for seamless inventory and sales tracking across online and physical outlets.
    • Financial Accuracy
      Simplifies reporting and compliance, ensuring accurate sales, tax, and revenue records.

    The Challenge: Upfront Costs

    While EPOS systems offer transformative benefits, the upfront investment can be prohibitive, especially for small and medium-sized businesses. A full-featured system might include:

    • Touchscreen tills.
    • Barcode scanners.
    • Receipt printers.
    • Integrated card machines.
    • Cloud-based software subscriptions.
    • Customer loyalty integrations.
    • Inventory and stock-tracking modules.

    Depending on the complexity and scale, these costs can range from a few thousand pounds for small businesses to tens of thousands for multi-site operations.

    Financing with Gable Asset Finance provides an affordable, flexible way to access this technology without draining your working capital.


    Finance for EPOS Systems

    Gable Asset Finance arranges a wide range of finance solutions tailored to UK businesses. By spreading costs over time, you can invest in the EPOS technology you need while maintaining healthy cash flow.

    Types of EPOS System Finance

    1. Leasing

    • A third-party provider owns the EPOS system.
    • You pay a fixed monthly fee to use it.
    • Tax benefits: Payments are usually 100% tax-deductible.
    • Flexibility: Monthly or quarterly terms available.
    • No large capital outlay: Acquire equipment immediately while preserving cash flow.

    2. Hire Purchase

    • Spread the cost with regular payments.
    • Ownership transfers to your business at the end of the term.
    • Fixed interest makes budgeting simple.

    3. Traditional Asset Finance

    • Acquire equipment through a finance agreement structured to your business needs.
    • Similar to hire purchase but with additional flexibility in repayment terms.

    4. Renting / Short-term Finance

    • Ideal for businesses needing temporary EPOS solutions (e.g., events, pop-ups, or seasonal outlets).
    • Low-risk, short-term agreements with minimal commitment.

    5. Outright Purchase

    • For businesses with sufficient cash reserves.
    • Immediate ownership but higher upfront cost compared to financed options.

    Benefits of Financing EPOS Systems

    Financing provides significant advantages over outright purchase:

    • Improved Cash Flow – Spread payments to avoid draining working capital.
    • Tax Advantages – Leasing payments often fully tax-deductible.
    • Access to Modern Technology – Upgrade systems regularly to remain competitive.
    • Preserve Capital – Retain cash for other strategic investments.
    • Budget Predictability – Fixed monthly or quarterly payments for easier financial planning.
    • Flexibility – Choose the finance structure that best matches your operational needs.

    Industries That Benefit from EPOS System Finance

    EPOS systems are used across a wide variety of UK sectors, including:

    • Retail – Clothing stores, supermarkets, convenience shops, and online retailers.
    • Hospitality – Pubs, restaurants, cafes, and takeaways.
    • Healthcare – Dental practices, opticians, private clinics, and pharmacies.
    • Service Industry – Salons, gyms, spas, and fitness centres.
    • Events and Entertainment – Ticketing, concessions, and pop-up stalls.
    • Multi-site Businesses – Chains requiring integration across multiple locations.

    How Gable Asset Finance Helps

    At Gable Asset Finance, we understand the practical and financial challenges of investing in EPOS systems. Our role is to:

    • Compare deals across a wide panel of lenders.
    • Secure cost-effective finance with terms tailored to your business.
    • Offer guidance on leasing vs hire purchase vs outright purchase.
    • Provide solutions for both small and large businesses.
    • Ensure you can access the best technology without compromising financial stability.

    How to Apply for EPOS System Finance

    1. Identify Your Requirements
      Assess the EPOS system features you need (e.g., stock tracking, loyalty integration, e-commerce).
    2. Contact Gable Asset Finance
      Our team will review your needs and explore suitable finance options.
    3. Compare Solutions
      We secure quotes from multiple lenders to find the best terms.
    4. Approval & Agreement
      Once approved, agreements are finalised quickly.
    5. Install Your EPOS System
      Begin benefiting from improved efficiency, customer service, and profitability.

    Example Scenarios

    Scenario 1: Retail Chain Expansion
    A fashion retailer opening three new stores needs integrated EPOS systems. Instead of paying £50,000 upfront, Gable arranges a lease, spreading costs over 5 years with payments fully deductible.

    Scenario 2: Hospitality Upgrade
    A restaurant chain replaces outdated tills with cloud-based EPOS. Through hire purchase, the business spreads costs while gaining full ownership at term end.

    Scenario 3: Seasonal Business
    An event operator requires EPOS systems for summer festivals. Gable arranges short-term rental finance, avoiding long-term commitments.


    FAQs – EPOS System Finance

    Q: Can I finance both hardware and software?
    Yes. We finance complete EPOS packages including tills, printers, card machines, and software subscriptions.

    Q: Is leasing or hire purchase better for EPOS systems?
    It depends. Leasing offers tax advantages and flexibility, while hire purchase gives ownership at the end of the term.

    Q: Are second-hand or refurbished systems eligible for finance?
    Yes, many lenders accept new, used, or refurbished EPOS systems.

    Q: Can I bundle EPOS systems with other technology?
    Yes. We can structure agreements covering multiple assets such as IT infrastructure, furniture, or even vehicles.

    Q: What if I need short-term EPOS solutions?
    Rental or short-term finance agreements are available for events, pop-ups, and seasonal operations.

    Q: How quickly can I get approval?
    Once details are confirmed, approval can often be secured within days.

    Q: Are lease payments tax-deductible?
    Yes, in most cases lease payments are 100% deductible. Speak with your accountant for detailed advice.

    Q: Do I need a deposit?
    Some agreements require a deposit, while others may offer up to 100% financing.

    Q: What if my business is new?
    We work with start-ups as well as established companies, tailoring finance solutions to your situation.


    Conclusion

    Investing in an EPOS system is one of the smartest decisions a UK business can make. From improving efficiency to building customer loyalty and enabling smarter decision-making, EPOS technology transforms how companies operate.

    With Gable Asset Finance, you can acquire the right system without large upfront costs. Our team of experts will compare the best deals, guide you through the process, and secure a finance solution that fits your needs.

    Whether you’re a small retailer, a national hospitality chain, or a start-up launching your first site, we’re here to help you access the technology that will take your business to the next level.


     

     

    We offer business finance and leasing options for business seeking to purchase new and used EPOS systems, engineered for use in a wide range of industries and business sectors . 

    We are based in London, however our services and clients extent far beyond this, having served or currently serving clients all over the UK, including Northern Ireland,

    We can arrange business finance, leasing solutions and other appropriate financial products for businesses to purchase:

    • EPoS terminals
    • EPoS peripherals
    • Point of Sale software
    • Mobile computers
    • Label printers
    • Receipt, Label and Impact Printers
    • Card printers
    • Barcode scanners
    • Touchscreen
    • Cash drawers
    • Handheld Terminals
    • Accessories and Peripherals
    • Wireless networks
    • Fan Free Terminals
    • Fanned Terminals
    • All-In-One Terminals

    Our business finance and leasing services by virtually any business sector including:

    • Hospitality
    • Department Store
    • Convenience Store
    • Pharmacy
    • Speciality
    • Food
    • Entertainment

    Our business finance and leasing services can enable our customers to purchase EPOS systems from the world leading manufacturers including:-

    • Brother
    • Casio
    • Datalogic
    • Extricom
    • gen2wave
    • ICD
    • Janam
    • Honeywell
    • MioWork
    • Opticon
    • Orient Technologies
    • Partner Tech
    • Posiflex
    • Q-Guide
    • seagull
    • scientific
    • Zebex
    • Zebra

    We can arrange complete business finance and leasing solutions for Retail, Hospitality, Wholesale and Warehousing environments; enabling businesses of all sizes to benefit from reliable, state of the art ERP technology.