POS System Financing Canada

Scale checkouts without starving cash

POS upgrades pay back in faster lines, better tips, and tighter inventory—not by draining cash before launch. Mehmi sells equipment directly and structures POS system financing so you can install, train staff, and start transacting while preserving working capital. Start with Equipment Financing and price scenarios in minutes with the calculator.

What we finance: terminals/tablets, payment devices, printers, barcode/RFID scanners, cash drawers, kitchen display systems (KDS), label/scales, smallwares bundles, network/Wi-Fi hardware, mounts, and back-office PCs. Confirm eligibility: Eligible Equipment. Private sale supported via Conditional Sales Contracts.

Pick the structure that fits your cash flow

Soft costs like installation, cabling, networking, software licenses/onboarding, mounts, training, and freight can often be rolled into loans or leases.

What actually moves approvals in 2025

• Time in business & credit depth: Established operators earn longer terms and sharper pricing. Startups can qualify with a sensible contribution and an opening plan via In-House Financing.
  
  
• Project phasing: Staged rollouts pair well with an E-LOC to avoid re-papering each drop.
  
  
• Revenue & throughput plan: Terminals by station, peak hour volume, delivery partners, and expected tap/EMV mix de-risk the file.
  
  
• Liquidity buffer: Add Working Capital for launch marketing and initial consumables.
  
  
• Programs: Select files may benefit from CSBFP.
  
  

Model payments in minutes

Use the calculator to compare a 60 vs 72-month loan for core terminals against a lease with a modest buyout (~10%) for tablets/KDS. For multi-site deployments, price an E-LOC and draw per location. Own older gear? Consider a sale-leaseback to fund install and training.

Documentation checklist (24–48h decisions)

Government ID and void cheque; incorporation/HST; last 3–6 months bank statements (personal if startup); equipment quotes and install plan; software/license summary; insurance broker contact and target bind date; brief sales/throughput snapshot. Send via Contact Us. Approvals are subject to credit and asset review.

Case study: multi-site POS refresh, no cash crunch

A regional café group replaced legacy tills with tablet POS, KDS, scanners, and printers across three locations. We blended a lease for tablets/KDS (10% buyouts) with a loan for printers/drawers, rolled installation and onboarding into both, and used an E-LOC for the third site 45 days later. Net monthly spend ~10% lower than an all-loan approach while keeping cash free for beans, packaging, and ads.

FAQs

Do you finance used POS and private sales?
Often yes—subject to condition and documentation, supported with Conditional Sales Contracts.

Can software and install costs be included?
Typically yes—licenses, networking, cabling, mounts, and training can be rolled into loans or leases.

Is leasing cheaper than a loan?
Leasing often lowers the monthly via a residual; loans may minimize total interest for long-hold items. Compare both in the calculator.

I’m a startup—can I qualify?
Frequently—with a realistic contribution, clean banking, and an opening plan. See In-House Financing and CSBFP.

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Mehmi sells equipment directly and can finance it on terms aligned to your launch and seasonality. Feel free to contact our credit analysts.