POS System Financing

Finance a point-of-sale refresh across every unit at once — terminals, kitchen display, payment hardware, and the multi-year software commitments. Representative example: a $85,000 POS system runs about $1,600/month.*

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The POS system Reality

A point-of-sale refresh is never one store's decision. The brand moves to a new platform, or support ends on the current one, and every unit in the portfolio has to change within the same window — so an operator who would happily absorb one store's terminals instead faces the whole estate in a single quarter. The awkward part is that the spend buys no new capacity: the stores serve the same guests the day after. That is exactly the shape that belongs on a schedule rather than in one quarter's cash.

What We Finance

Terminals, registers, and handheld ordering devices
Kitchen display systems and order routing
Payment hardware, EMV readers, and pay-at-table
Back-office servers, reporting, and inventory hardware
Network, cabling, and installation across sites
Software licenses and multi-year platform subscriptions

Payment Structures

The differentiation: four ways to own the same equipment, engineered to your cash flow. Compare them side by side on our structures page.

Operating Lease

Off-balance-sheet treatment with end-of-term flexibility — return, renew, or purchase. Often the right answer when technology cycles or accounting outcomes drive the decision.

$1 Buyout Lease

Own the equipment for one dollar at term end. Fixed payments, full Section 179 eligibility, and a clean path to ownership.

Seasonal & Step Payments

Payments that follow your revenue curve — lighter in slow months, heavier in peak season, or stepping up as new equipment ramps to full production.

Usage-Based & As-a-Service

Payments tied to hours, output, or consumption. The category Elevex is defining: pay for what equipment achieves, not what it costs.

Learn more about financing structures

How It Works

Three steps from quote to funded.

1 · Apply in Minutes

Application-only to $1,000,000 — no tax returns or financials below that threshold. Have your equipment quote, auction listing, or build spec ready.

2 · Structure Together

A finance professional (not a portal) walks the structure options — term, seasonality, end-of-term — and prices the deal to your cash flow.

3 · Fund in 24–48 Hours

Most transactions fund within 24–48 hours of signed documents. Your vendor gets paid; you get to work.

Common Questions

Why finance a POS refresh rather than expense it store by store?

Because it does not arrive store by store. A platform change hits every unit inside the same window, so an operator with ten stores is writing one large check for equipment that adds no covers and no capacity. Spreading it across the platform's life puts the cost where the benefit is instead of in a single quarter.

Can the software subscriptions go on the same schedule?

They usually should. On a modern point-of-sale the multi-year platform commitment often outweighs the terminals it runs on, and keeping the two together means the whole system is on one end date — rather than hardware that is paid off sitting under a subscription that renews for years afterward.

Can I finance a used POS system?

Yes — used POS system financing is standard business, whether the unit comes from a dealer, an auction, or a private seller. We value working assets on condition and remaining service life, not a blanket age cutoff, and set terms the equipment can actually support.

Does a POS system qualify for Section 179?

Most business-use equipment placed in service this tax year qualifies for Section 179 expensing, financed or purchased outright — often meaning the first-year deduction outruns your first-year payments. Run your numbers on our Section 179 calculator and confirm specifics with your tax advisor.

How fast can POS system financing close?

Application-only decisions to $1,000,000 come back in minutes for qualified credits, and most deals fund within 24–48 hours of signed documents. Apply online with your quote to start.

Ready to finance your POS system?

Payments built on outcomes, from the team that knows your industry. Equipment sellers: offer financing at the point of sale with CapVex.

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*Representative example for illustration only. Actual payment varies with credit profile, term, basis, and equipment. Subject to credit approval. Not a commitment to lend.