Built for POS & Retail Technology Dealers
POS Dealers · VARs · ISVs · Restaurant Technology Resellers · Kiosk & Self-Service OEMs
Help Merchants Own Their System — Not Rent It From a Processor.
Whether you’re placing a single-station system in a café, a full front- and back-of-house build for a restaurant or a multi-location rollout across a franchise group, FPG helps your sales team present financing earlier and close faster.
Your merchants are told they can get hardware for nothing. Financing gives you a better answer: they own the system, they keep their processing decision their own, and they spread the cost over a monthly payment instead of a long commitment attached to the equipment.
Start your POS and retail technology financing program
Tell us what you sell and how your team quotes. We’ll build the program around your sales process.
A real person from our partnership team will reach out directly.
Built to Close Deals Fast2–4 hrsMost credit decisions come back within hours, helping sales teams maintain momentum. Direct & 25+FPG is a direct lender with access to 25+ strategic funding partners for more ways to get a deal done. $350KApplication-only financing available up to $350,000 — which covers single-site and most multi-location rollouts outright. Dedicated TeamReal people who understand hardware, software and multi-year technology deals.
Financing that moves as fast as a merchant decision
Merchants decide quickly and open on a date. These transactions don’t need a long approval process — they need a fast one, and the program is built so your reps can introduce financing and get an answer in the same conversation.
The POS Dealer’s Perspective
Financing should help create the yes — not show up after the no.
Your priority is to place systems, shorten the sales cycle and protect margin on hardware and services. When financing is treated as an afterthought, the merchant may already have taken subsidized hardware from a processor, kept running a system that’s failing them, bought a single station when the floor needs four, or put the whole project off until after the season.
Own the system, keep the processing decision separate
Financing lets a merchant buy the system outright and make their processing choice on its own merits later, rather than taking equipment tied to a long commitment.
Equip the whole operation
Presenting financing early keeps the second register, the kitchen display, the handhelds and the back office in the project instead of cut to one station.
Open on schedule
New locations open on a date. Financing lets a merchant get the system in before opening rather than after cash allows.
Protect margin on hardware and services
Give merchants structure and payment flexibility before discounting the system or bundling in free installation becomes the easiest way to save the deal.
We Speak Retail & Restaurant Technology
Built around the systems your merchants run all day
FPG finances POS and retail technology hardware, along with the software and services that go with it, from a single station to a multi-location rollout. We underwrite the buyer and understand that system mix, project scope, deployment timeline and the balance of hardware to software can all influence how a transaction should be structured.
POS Terminals & StationsCountertop terminals, all-in-one stations, tablet-based systems and cash drawers.
Mobile & Handheld POSHandheld ordering and payment devices, line busting, tableside and curbside hardware.
Kitchen & Back-of-HouseKitchen display systems, order printers, expo screens and back-of-house technology.
Self-Service & KiosksOrdering kiosks, self-checkout, pay-at-table and customer-facing displays.
Payment HardwareCard readers, PIN pads, contactless devices and payment peripherals.
Scanning, Scales & LabelingBarcode scanners, retail scales, label and receipt printers and inventory hardware.
Loss Prevention & Store SystemsCameras and video systems, EAS, cash management and store operations hardware.
Software, Licensing & ServicesPOS software and subscriptions, menu and catalog build-out, installation, training and professional services.
Selling a multi-location rollout, a franchise program or a project where software and services are a large share of the number? FPG can structure financing around the complete system — the mix affects how the transaction is built, and we’ll tell you up front what a given scope supports.
Why POS Dealers Use FPG
One financing relationship. More ways to get the deal done.
FPG combines direct lending, in-house underwriting and a network of strategic funding partners. That gives your sales team more flexibility without forcing them to manage multiple lender relationships on every opportunity.
More flexibility without more complexity
- Direct lending plus access to 25+ strategic funding partners
- Structures for A, B and C credit profiles, including newer restaurants and retailers
- Application-only financing that covers single-site and most multi-location projects
- Hardware, software, licensing and services in one transaction
- A named finance team that works directly with your sales reps
People who understand the project and the sale
POS deals are not generic business financing. The systems are smaller, the merchants are often young businesses, the software is a growing share of the number, and the decision gets made in days rather than quarters. FPG’s team works with dealers and merchants to keep the process simple enough to fit the way these deals actually close.
Your FPG retail technology finance team
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Jon McBrideSVP, Growth & Strategic Partnerships — Hard Assets
Casey GoodellVP, Strategic Sales & Partner Development
Kristopher TozierVP, Strategic Sales & Partner Development
Flexible Structures
Typical programs are not one-size-fits-all.
The right structure depends on the merchant, the system mix and what they want to happen at the end of the term. FPG can structure the sale around the project instead of forcing every buyer into the same financing box.
Equipment Finance Agreements
Traditional structures for merchants that want predictable payments and ownership economics.
Purchase Options
Fixed-term structures designed for merchants who intend to own the equipment at the end of the term.
End-of-Term Options
Structures that give a merchant defined choices at the end of the term — return, renew or purchase — instead of being left with aging hardware.
Refresh Structures
Terms set to a merchant’s hardware refresh cycle, so the financing and the technology turn over together.
Bundled Software & Services
POS software, subscriptions, menu and catalog build-out, installation and training financed alongside the hardware they support.
Deferred Payments
Structures that can help a merchant get through installation, menu build and staff training before regular payments begin.
Seasonal & Step Payments
Payment schedules that can be aligned with a retailer’s holiday season, a restaurant’s busy months or a new location ramping up.
Multi-Location & Franchise Rollouts
Structures that cover a full rollout, or add the next locations without restarting the process on every site.
Installation, software, training, freight and deployment can be included alongside the hardware. The balance of hardware to software and services affects how the transaction is structured, and FPG will tell you what a given scope supports.
How It Works
From quote to funded system
Your sales team stays focused on the merchant and the next location instead of chasing financing paperwork.
1
Quote the System
Your rep builds the quote around the stations, peripherals, software and services the operation needs.
2
Present Financing
Introduce payment options in the same conversation, alongside the ownership argument.
3
Merchant Applies
The buyer completes the branded application from a phone or desktop in a couple of minutes.
4
FPG Structures the Deal
We underwrite the opportunity, confirm what the system mix supports and set the structure.
5
Documents & Funding
FPG handles documents and funds the dealer on delivery and acceptance.
6
Open the Next Location
Your reps stay focused on merchants, rollouts and the next opportunity.
The goal: make financing part of the sales motion without turning your sales team into a finance department.
Program Capabilities
Everything your team needs to use financing as a sales tool
FPG builds the program around your sales process and supports the tools, training and marketing needed to make financing easy to introduce.
Custom Program Design
A financing structure built around how you sell.
You getA program that supports your margin and close rate
Your reps getSimple guidance for when and how to introduce financing
Co-Branded Financing Assets
Marketing support that helps make financing visible before the objection.
You getAccess to our CMO for special co-branded marketing campaigns and financing content
Your reps getReady-to-use assets that make financing easier to introduce and promote
Sales & Quote Tools
Make monthly-payment selling easier for your team.
You getTools that support payment-based selling without building technology internally
Your reps getA payment option they can put on the quote alongside the system price
Ongoing Enablement
A dedicated finance team that stays engaged after launch.
You getVisibility and support across active financing opportunities
Your reps getSomeone to call when a live deal needs help
Payment-Based Selling
Help merchants evaluate the payment, not just the system price.
A merchant already thinks in monthly terms — rent, payroll, software, utilities. A monthly payment puts the system in that column, and it gives them something a subsidized terminal does not: they own the equipment at the end of it.
| Equipment Investment | 36 Months | 48 Months | 60 Months | 72 Months |
|---|---|---|---|---|
| $10,000Example: single-station system with peripherals and install | $316 | $247 | $205 | $178 |
| $40,000Example: full restaurant build with kitchen displays and handhelds | $1,263 | $986 | $821 | $711 |
| $120,000Example: multi-location rollout with software and services | $3,788 | $2,958 | $2,462 | $2,134 |
Illustrative estimates only. Rates, terms and structures are subject to credit approval and may vary.
POS & Retail Technology Financing FAQ
Questions POS dealers ask
Merchants are offered hardware at no up-front cost. Why would they finance a system instead?
Because financing leaves the merchant owning the equipment and free to make their processing decision separately, rather than taking equipment tied to a long commitment. Your rep can frame it as a monthly payment that ends with the merchant owning the system.
Why should our sales team put financing on the quote instead of waiting for a price objection?
Putting financing on the quote gives the merchant more ways to evaluate the purchase. Instead of discussing only the system price, your rep can frame the decision around a monthly payment alongside the rent, payroll and software the merchant already budgets for.
Can POS software, subscriptions and services be financed with the hardware?
Yes, POS software, subscriptions, menu and catalog build-out, installation and training can be included alongside the hardware they support. The balance of hardware to software and services affects how the transaction is structured, so FPG will tell you up front what a given scope supports.
Can FPG help newer restaurants and retailers?
Often, yes. FPG is a direct lender with in-house underwriting and access to 25+ strategic funding partners, so A, B and C credit profiles can be placed. A thinner profile usually means a shorter term or a down payment rather than a decline.
Can a multi-location or franchise rollout be financed?
Yes. A full rollout can be structured as one transaction, or additional locations can be added later without restarting the process for every site.
Can payments be structured around installation and opening?
Often, yes. Deferred structures can help a merchant get through installation, menu build and staff training before regular payments begin, and seasonal or step structures can align payments with a busy season or a new location ramping up. Availability depends on the transaction and credit approval.
What happens at the end of the term?
Structures are available that give the merchant defined end-of-term choices — return the equipment, renew, or purchase it — rather than being left holding aging hardware. Which options apply depends on the equipment and the transaction.
Is financing practical on a single-station system?
Yes. Application-only financing is available up to $350,000, which covers single-site and most multi-location projects outright, so the process is built to be fast rather than paperwork-heavy.
How fast are decisions?
Most credit decisions come back in two to four hours. Larger rollouts, projects weighted toward software and services, unusual structures or more complex credit situations can require additional review.
What happens when a deal does not fit FPG’s direct-lending box?
FPG also works with 25+ strategic funding partners. That gives the team additional ways to structure qualifying transactions without forcing the dealer to manage separate lender relationships.
When does the seller get paid?
FPG funds your company in full on delivery and acceptance. The purchaser pays FPG based on the agreed terms. You receive payment, and FPG manages the financing from there.
Vendor Partner Result
Financing support that helps create more sales opportunities
30%reported increase in pipeline
“FPG has been instrumental in driving opportunities in our pipeline. Their strategic insights and tailored solutions increased our pipeline by 30%.”— FPG Client | Vendor Partner
The value is not just access to capital. It is giving the sales team another tool to keep an opportunity moving when price, payment structure or credit flexibility could otherwise shrink the project or send a merchant toward subsidized hardware.
Build Your Financing Program
Turn financing into a competitive advantage for your sales team.
Whether you sell terminals and stations, handhelds, kitchen systems, self-service kiosks, store technology or complete multi-location solutions, FPG can help you build a financing program designed to place systems, keep projects intact and give merchants more ways to say yes.
Start your POS and retail technology financing program
All financing is subject to credit approval. Terms and structures vary based on the customer and transaction. Payment examples shown on this page are illustrative and are not an offer or commitment to lend.