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Restaurant

Restaurant POS, Kiosk, and Digital Menu Financing

Restaurant technology does more than ring up sales. A modern point of sale (POS) system tracks menu performance, labor, and inventory, while kiosks and digital menu boards raise check averages and kitchen display screens speed up ticket times. Together they help you serve more guests with the same staff.

Technology also changes fast, and a full rollout across the counter, the drive thru, and the kitchen can cost more than owners expect. Financing lets you install what you need today and plan for upgrades tomorrow. MissionFund compares options from 60+ lending sources.

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Programs that fitFMV LeaseEFA$1 Buyout Lease

Restaurant Technology We Help You Finance

  • 01

    POS Systems

    A POS system includes terminals, cash drawers, receipt printers, card readers, and handheld devices for servers taking orders tableside. Full service restaurants, bars, cafes, and quick service concepts all rely on one. When you compare systems, look at online ordering and delivery integrations, reporting, payroll links, and offline mode for internet outages. Pay attention to how software subscriptions and payment processing are bundled. Most owners buy new hardware so it stays compatible with current software.

  • 02

    Self Order Kiosks

    Self order kiosks let guests browse the menu, customize orders, and pay without waiting in line. Quick service restaurants, fast casual chains, and food halls use them to shorten lines and suggest add ons every time. Decide between floor standing, wall mounted, and countertop units, and make sure the kiosk meets accessibility requirements. The software matters as much as the screen, so confirm it integrates with your POS and kitchen display.

  • 03

    Digital Menu Boards

    Digital menu boards replace printed panels with commercial screens you can update from a laptop. You can change prices, promote high margin items, switch from breakfast to lunch automatically, and remove sold out items. Quick service and fast casual concepts see the biggest benefit. Choose commercial grade displays built for long hours, and bright outdoor models for drive thru lanes. Content management software and mounting hardware round out the package.

  • 04

    Kitchen Display Systems

    A kitchen display system (KDS) replaces paper tickets with screens at each station. Orders route automatically to the right cook, timers show how long each ticket has waited, and expo can see everything in one place. Busy restaurants, ghost kitchens handling multiple delivery apps, and drive thru concepts use them to cut mistakes. Look for heat and grease resistant screens, bump bars, and tight POS integration.

Why Finance Restaurant Technology Instead of Paying Cash

Technology is a smart candidate for financing because it's easy to outgrow. Financing keeps your cash free for operations and lets you match the payment to the useful life of the equipment.

It also keeps your credit lines open, and some structures make it easier to upgrade when the next generation of hardware arrives. Technology purchases may qualify for Section 179 deductions; check with your tax professional.

What Your Financing Can Include

Depending on the lender, your financing can cover:

  • Terminals, tablets, printers, and cash drawers
  • Software licenses and setup fees
  • Network equipment, cabling, and Wi Fi upgrades
  • Mounting hardware and kiosk enclosures
  • Menu board content design
  • Installation and staff training

Programs That Work Well for Restaurant Technology

  • Program

    Fair Market Value (FMV) Lease

    Lower payments, then upgrade, keep leasing, buy at fair market value, or return it. It's a natural fit for technology that changes quickly.

  • Program

    $1 Buyout Lease

    Make lease payments, then own your system for one dollar at the end.

New Business or Established, We Can Help

New restaurants can apply for equipment financing from day one, so your tech is running on opening day. Established operators can finance a system switch, a kiosk rollout, or new screens for a remodel. Drive thru concepts can pair this with drive thru system financing, and you'll find more on our restaurant equipment financing page.

What You'll Need

Requests under $150K can often be approved on the application alone. For a multi location rollout, financial statements can help. Funding often needs just your driver's license and the vendor invoice.

Frequently Asked Questions

Still have a question?

Talk to a real person. We're happy to walk you through your options.

Can software be included in POS financing?

Depending on the lender, software licenses, setup fees, and installation can be included along with hardware. Ongoing monthly subscriptions are usually billed separately by the provider.

Should I lease or buy restaurant technology?

If you expect to upgrade soon, an FMV lease can keep payments lower and make it easier to swap hardware later. If you plan to use the equipment for a long time, an EFA or buyout lease lets you own it.

Can I finance kiosks for several locations at once?

Yes. Many lenders can finance a multi location rollout in one package. Financial statements can help support larger requests.

Will a kitchen display system work with my current POS?

Most KDS options are built to work with specific POS platforms. Confirm compatibility with your vendor before you buy, and include any integration fees on your quote.

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