Quick answer: 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 .
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
| Option | Ownership Path | Cash-Flow Profile | Best For | Learn More |
|---|---|---|---|---|
| Equipment Loan | Own from day one | Predictable amortization; CCA | Core POS you’ll keep 5–7 yrs | Loans |
| Equipment Lease | Use now; buyout/refresh at term | Lower monthly via residual | Tech that refreshes in ~3–5 yrs (KDS, tablets) | Leases |
| Equipment Line of Credit (E-LOC) | Draw by phase/site | Interest on draws only | Multi-site rollouts, staged installs | E-LOC |
| Refinancing / Sale-Leaseback | Sell owned gear; lease back | Immediate liquidity | Unlock equity for inventory and payroll | Sale-Leaseback |
| Working Capital / ABL | Term or AR/inventory-backed | Operating buffer | Marketing, consumables, float | Working Capital | ABL |
Soft costs like installation, cabling, networking, software licenses/onboarding, mounts, training, and freight can often be rolled into loans or leases.
BDC’s equipment-financing guide emphasizes the complete financing structure when comparing offers.
“Don’t focus only on interest rates”
For the equipment decision discussed here, compare the amount financed, payment schedule, collateral and remaining obligations alongside the quoted rate.
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 ( 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.
Mehmi sells equipment directly and can finance it on terms aligned to your launch and seasonality. Feel free to contact our credit analysts.
Authoritative references
- Innovation, Science and Economic Development Canada — Canada Small Business Financing Program:
The Canada Small Business Financing Program makes it easier for small businesses to get loans from financial institutions by sharing the risk with lenders.
Program eligibility, lender criteria, tax treatment, and product terms can change. Verify current official guidance and final financing documents before making a decision.