Top EPOS Finance for Convenience Stores in 2026 | Asset Finance & Leasing
.png)
Top 10 EPOS Finance Providers for Convenience Stores
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | Lombard | Established convenience stores upgrading full EPOS systems | Up to £5,000,000 | interest 4% to 11.5% monthly |
| 2 | Liberty Leasing | Independent convenience stores seeking straightforward EPOS leasing | £10,000 to £2,000,000 | interest 11% to 16% annually |
| 3 | Iwoca | New convenience stores needing EPOS funding with minimal trading history | £0 to £1,000,000 | interest 1.6% to 5.6% monthly |
| 4 | Capify (includes Rapital) | Growing convenience shops ready for larger EPOS investments | £10,000 to £1,000,000 | factor 1.1% to 1.35% monthly |
| 5 | Nucleus Commercial Finance | Smaller independent shops needing affordable EPOS finance from £3,000 | £3,000 to £2,000,000 | mixed 1.15% to 17.5% monthly |
| 6 | Bizcap | Higher-turnover convenience stores wanting rapid EPOS funding decisions | £5,000 to £750,000 | factor 1.1% to 1.4% monthly |
| 7 | Funding Circle | Well-established convenience stores preferring fixed-term EPOS loans | £10,000 to £750,000 | interest 18% to 24% annually |
| 8 | Fleximize | Larger convenience store operators needing tailored EPOS funding | £10,000 to £500,000 | interest 0.9% to 3.6% monthly |
| 9 | Nationwide Finance | Convenience stores with limited trading history seeking asset-backed EPOS finance | £10,000 to £500,000 | interest 4.5% to 11% monthly |
| 10 | Lloyds Bank | Small convenience stores wanting bank-backed EPOS finance from £1,000 | £1,000 to £50,000 | interest 10.65% to 11.2% annually |
Asset finance lets convenience store owners spread the cost of an EPOS system over time rather than paying upfront. The lender buys the hardware, software and installation on your behalf, and you repay in fixed monthly instalments while the equipment itself secures the funding. For independent corner shops, newsagents and forecourt retailers, this preserves working capital for stock and day-to-day cash flow while upgrading the till systems that keep your shop running efficiently.
Choosing the right EPOS finance provider means looking beyond the headline rate. Compare the total cost over the full term, including any arrangement or documentation fees. Check whether the lender understands convenience store trading patterns and seasonal cash flow. Look at minimum turnover and trading history requirements, as some lenders accept just a few months of trading. Speed matters too, especially if your current till system has failed and you need a replacement fast.
Important note:
Funding Agent
Published loan rangeFrom £10,000 to up to £1,000,000
Rate typeInterest from 6.8% annually
Why it is included:It is included because many business owners need to compare several finance routes before choosing where to apply.
Funding Agent can help businesses compare suitable options across a lender panel, especially when eligibility depends on turnover, sector, trading history, credit strength and available documents.
Best use case: When the borrower wants to avoid applying to one lender at a time.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Why it stands out
- Useful when a business wants to compare lender fit rather than guess which lender to apply to first.
- Can help position the application around the funding purpose, trading profile and available documents.
- Works well as a conversion route for readers who are unsure whether a direct lender will approve a larger unsecured facility.
Need to know
- Funding Agent is a broker, not a lender.
- The lender, not Funding Agent, sets the final rate, term, fees and approval decision.
- The best match may be unsecured, secured, revolving credit, invoice finance or another product depending on the case.
Expert take
Funding Agent is a useful honourable mention for business owners who want to compare lender options before submitting a full application. A larger unsecured loan is not always approved by the first lender a business finds, so understanding lender fit early can reduce wasted time and avoid unnecessary declines.
Lombard
Published loan rangeUp to £5,000,000
Rate typeinterest 4% to 11.5% monthly
Overview: Asset finance lenders like Lombard fund EPOS hardware, software and installation as a single package, spreading the cost over the equipment's useful life. This keeps working capital free for stock and daily trading. Funding decisions often turn on the asset's value and your shop's cashflow rather than years of filed accounts. The trade-off is that the finance is secured against the EPOS kit itself.
Best next step: See if Lombard fits your EPOS purchase
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funds hardware, software and installation together
- Preserves working capital for daily trading
- Decisions based on asset and cashflow
Need to know
- Finance secured against the EPOS equipment itself
- May require a deposit or part payment
- Asset must meet lender eligibility criteria
Expert take
Lombard is a long-established asset finance house with deep experience funding retail equipment. For a convenience store upgrading its EPOS, the secured structure means younger shops with decent turnover can often get approved without three years of accounts.
Source:https://www.lombard.co.uk/
Liberty Leasing
Published loan range£10,000 to £2,000,000
Rate typeinterest 11% to 16% annually
Overview: Liberty Leasing quotes annual interest rates starting around 11%, which makes comparing the true cost of EPOS finance more straightforward than monthly-factor pricing. They fund equipment from £10,000, covering full till systems, scanners and back-office software for a convenience store refit. The annual rate structure helps you budget repayments predictably across the lease term.
Best next step: Compare annual-rate EPOS finance with Liberty
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual interest rates for easy cost comparison
- Covers full till and scanning systems
- Predictable repayments across the lease term
Need to know
- Minimum facility size is £10,000
- Asset eligibility checks apply to EPOS kit
- Deposit or advance rental may be needed
Expert take
Liberty Leasing is an independent asset finance broker-lender that structures equipment deals with annual-rate transparency. Convenience store owners who want to compare EPOS finance costs against other annual-percentage quotes will find their pricing easy to benchmark.
Iwoca
Published loan range£0 to £1,000,000
Rate typeinterest 1.6% to 5.6% monthly
Overview: Iwoca can approve and fund within 24 hours, which helps when a convenience store's EPOS failure threatens trading or when a supplier discount deadline is looming. They lend from small amounts upward, so a single till replacement or a modest upgrade fits without over-borrowing. The facility is structured as a term loan rather than asset finance, meaning the funds are not tied to one specific piece of kit.
Best next step: Check EPOS loan options with Iwoca
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding decisions within 24 hours
- Lends from small amounts for modest upgrades
- Unrestricted funds, not tied to one asset
Need to know
- May require a personal guarantee
- Monthly interest pricing applies
- Trading history and affordability checks needed
Expert take
Iwoca is a fintech lender built for speed, serving SMEs with straightforward term loans. A convenience store needing quick EPOS funding to keep trading will value the 24-hour turnaround and the freedom to spend loan proceeds on hardware, software or installation.
Source:https://www.iwoca.co.uk/
Capify (includes Rapital)
Published loan range£10,000 to £1,000,000
Rate typefactor 1.1% to 1.35% monthly
Overview: Capify works with convenience stores that have at least a few months of card terminal statements, using your daily takings history to assess affordability rather than relying solely on filed accounts. This can suit independent retailers whose books are tidy but whose trading patterns tell a stronger story than their tax returns. Funding from £10,000 covers a full EPOS refit for a mid-sized shop.
Best next step: Explore EPOS finance through Capify
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Uses card terminal data for affordability
- Minimum £10,000 covers full EPOS refit
- Trading history weighs more than filed accounts
Need to know
- Factor-rate pricing applies, not APR
- May require a personal guarantee
- At least several months trading typically expected
Expert take
Capify is a specialist SME lender that reads convenience store performance through real-time revenue data. For shops with strong card takings but modest balance sheets, this approach can open up EPOS funding that high-street banks might decline.
Source:https://capify.co.uk/
Nucleus Commercial Finance
Published loan range£3,000 to £2,000,000
Rate typemixed 1.15% to 17.5% monthly
Overview: With facilities from £3,000 to £2,000,000, Nucleus Commercial Finance can fund anything from a single counter-top terminal for a village newsagent to a multi-till EPOS rollout across several forecourt shops. The wide range means you only borrow what your refit actually needs. Repayment structures can be tailored around seasonal trading patterns common in convenience retail.
Best next step: See Nucleus EPOS funding options
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding from £3,000 for small upgrades
- Scales up for multi-site refits
- Repayments can flex with seasonal trade
Need to know
- Mixed rate structures across products
- Security or personal guarantee likely needed
- Affordability assessment based on trading
Expert take
Nucleus Commercial Finance is a flexible lender spanning small to large facilities. For convenience stores, the low minimum means a modest single-till upgrade is as workable as funding a full multi-site EPOS rollout.
Bizcap
Published loan range£5,000 to £750,000
Rate typefactor 1.1% to 1.4% monthly
Overview: Bizcap's 3-hour funding turnaround is the fastest on this list, built for moments when a broken till is costing trade by the hour. They offer revolving credit as well as term loans, so a convenience store can draw funds for emergency EPOS repairs or planned upgrades and only pay for what they use. Facilities start at £5,000, covering a replacement terminal or partial system.
Best next step: Get same-day EPOS funding via Bizcap
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding in as little as 3 hours
- Revolving credit for ongoing EPOS needs
- Draw only what you need, when needed
Need to know
- Factor-rate pricing, not annual APR
- Facility limits can be reviewed or adjusted
- Trading history and affordability checks apply
Expert take
Bizcap is a speed-first lender designed for trading businesses that cannot afford downtime. For a convenience store facing a failed EPOS on a busy trading day, the 3-hour decision-to-funding window is the standout feature.
Source:https://www.bizcap.co.uk/
Funding Circle
Published loan range£10,000 to £750,000
Rate typeinterest 18% to 24% annually
Overview: Funding Circle has funded thousands of UK small businesses, including independent retailers upgrading their shop infrastructure. Their term loans suit convenience store owners who want a straightforward fixed-rate repayment over one to five years for an EPOS investment. The 48-hour funding timeline is slower than some alternatives but reflects a thorough underwriting process that many established shops clear comfortably.
Best next step: Check Funding Circle for EPOS loans
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Fixed annual rates for predictable budgeting
- Terms from one to five years available
- Established lender with retail sector experience
Need to know
- 48-hour funding, not same-day
- Full underwriting process applies
- Minimum loan size is £10,000
Expert take
Funding Circle is a peer-to-peer lending platform with mainstream credibility and a long track record in retail SME funding. Established convenience stores with solid trading histories will find the fixed-rate, fixed-term structure straightforward to plan around.
Fleximize
Published loan range£10,000 to £500,000
Rate typeinterest 0.9% to 3.6% monthly
Overview: Fleximize structures repayments so they flex with your convenience store's revenue, which helps during quieter months when footfall drops and cash tightens. Their monthly interest rates start competitively for secured facilities, and they fund from £10,000 upward for EPOS hardware purchases or full system overhauls. The flexible repayment model is designed with seasonal businesses in mind.
Best next step: Explore flexible EPOS finance with Fleximize
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Repayments flex with your shop's revenue
- Designed for seasonal trading patterns
- Competitive monthly rates for secured loans
Need to know
- Security or personal guarantee typically required
- Minimum facility is £10,000
- Monthly interest, not annual APR
Expert take
Fleximize is built around the cashflow reality of trading businesses. For a convenience store whose takings swing with the seasons, the revenue-flexible repayment model is more forgiving than rigid monthly fixed amounts.
Source:https://fleximize.com/
Nationwide Finance
Published loan range£10,000 to £500,000
Rate typeinterest 4.5% to 11% monthly
Overview: Nationwide Finance offers dedicated asset finance for equipment purchases, including EPOS systems for independent retailers. They fund from £10,000 to £500,000, and because the finance is secured on the equipment itself, convenience store owners often find the eligibility criteria more accessible than unsecured lending. Monthly interest pricing applies across the full facility term.
Best next step: See Nationwide Finance EPOS options
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Dedicated asset finance for EPOS equipment
- Secured on the kit, not your property
- Facilities from £10,000 to £500,000
Need to know
- Monthly interest, not annual percentage rate
- Asset must meet lender eligibility checks
- Deposit or advance payment may be required
Expert take
Nationwide Finance is an independent asset finance house that structures equipment deals around the asset's value and the borrower's ability to service payments. For convenience stores, this means the EPOS system itself underpins the lending decision.
Lloyds Bank
Published loan range£1,000 to £50,000
Rate typeinterest 10.65% to 11.2% annually
Overview: Lloyds Bank is one of the few high-street banks offering dedicated asset finance for smaller equipment purchases, with facilities starting as low as £1,000. Annual interest rates between roughly 10.65% and 11.2% make costs predictable, and the bank's retail sector experience means convenience store EPOS investments are a familiar proposition. Funding takes around 48 hours after approval.
Best next step: Check Lloyds Bank EPOS asset finance
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual interest rates for clear cost comparison
- Facilities start from just £1,000
- High-street bank with retail sector expertise
Need to know
- Bank underwriting can be stricter and slower
- 48-hour funding, not same-day
- May require full accounts and trading history
Expert take
Lloyds Bank brings mainstream asset finance to smaller-ticket equipment, which is rare among high-street lenders. A convenience store with clean accounts and a year's trading will find the annual-rate pricing and £1,000 minimum a practical fit.
Asset Finance Calculator
How EPOS asset finance works for convenience stores
EPOS asset finance lets convenience store owners spread the cost of new tills, scanners, and software over time rather than paying upfront. The two main structures are hire purchase and leasing.
With hire purchase, you make regular payments and own the EPOS system outright at the end of the term. Leasing works differently: you rent the equipment for an agreed period, often with an option to upgrade at the end, which suits retailers who want to refresh their tech every few years.
Most asset finance lenders will fund the full package including hardware, software licences, and installation. Lombard, for example, offers asset finance facilities up to £5,000,000 with rates from 4% to 11.5% per month. Liberty Leasing publishes rates from 11% to 16% annually on facilities between £10,000 and £2,000,000. Smaller convenience stores with tighter budgets can look at Lloyds Bank, which offers asset finance from £1,000, with annual rates from 10.65% to 11.2%.
Because the EPOS equipment itself acts as security, asset finance can be easier to access than an unsecured business loan for the same purpose.
What convenience stores need to qualify for EPOS finance
Lenders look at your trading history, turnover, and credit position when assessing EPOS finance for a convenience store. Requirements vary noticeably across the market.
On trading history, newer shops have options. Iwoca accepts businesses trading for just one month, while Nucleus Commercial Finance and Bizcap both require four months. Capify and Fleximize ask for six months, and Lombard and Funding Circle need at least one year.
Turnover thresholds also range widely. Iwoca sets the lowest bar at £5,000. Lombard requires £25,000 and Funding Circle £30,000. Capify and Nucleus Commercial Finance both ask for £50,000, while Bizcap needs £144,000 and Fleximize requires £150,000.
Personal guarantees are common across most lenders on this list. Homeowner status is not always required: Lombard, Liberty Leasing, Iwoca, Capify, Bizcap, and Funding Circle do not require you to be a homeowner. Nucleus Commercial Finance, Fleximize, and Nationwide Finance do ask for home ownership.
Even if your shop does not tick every box, speaking with a broker can help you find a lender whose criteria fit your situation.
EPOS system types and what they cost for independent retailers
Convenience stores typically choose between cloud-based EPOS systems and traditional on-premise setups, and the choice affects both the upfront cost and the finance you need.
Cloud-based EPOS systems run on a subscription model, often £30 to £100 per month per terminal. They store sales data online, integrate with accounting and stock management tools, and update automatically. Hardware costs are usually lower because they run on tablets or compact touchscreens, making them a popular pick for smaller independents and newsagents.
Traditional on-premise EPOS systems involve a higher upfront outlay, typically £2,000 to £10,000 for a single-lane setup including the terminal, barcode scanner, receipt printer, and cash drawer. Multi-lane forecourt or larger grocery operations can push costs beyond £15,000 once installation and software licensing are included.
Asset finance can cover the whole purchase: hardware, software, and setup. Nucleus Commercial Finance offers facilities from £3,000, which suits a single-terminal upgrade. Bizcap starts at £5,000 and Liberty Leasing at £10,000, both workable for a full-store refit. The key is matching the loan size to your system choice so you are not over-borrowing or under-investing.
Comparing EPOS finance packages for your convenience store
When comparing EPOS finance, convenience store owners should look beyond the headline rate and check the full picture: rate type, term length, and total repayable.
Some lenders quote monthly rates and others quote annually, which makes direct comparison tricky. Iwoca publishes monthly rates from 1.6% to 5.6%, while Funding Circle quotes annual rates from 18% to 24%. Capify and Bizcap both use factor rates, from 1.1% to 1.35% and 1.1% to 1.4% per month respectively, which multiply against the original loan rather than reducing with the balance.
Term length matters too. Bizcap offers terms up to one year, which keeps total interest lower but means higher monthly repayments. Liberty Leasing and Fleximize both stretch to five years, giving you more breathing room on cash flow. Lloyds Bank goes up to ten years on asset finance, the longest on this list.
Also check whether the lender funds software-only purchases or insists on hardware. Some cloud-based EPOS rollouts need little more than subscription funding, and not every asset finance provider covers that. A broker can help you filter lenders by what they will fund and match you to the right package for your shop size and system choice.
