Flexible business finance

Epos Now Capital is a new financing solution that provides small and medium-sized enterprises (SMEs) with up to $300,000 in funding to drive business growth, marketing investment, and cash flow management.

No hidden fees and no fixed monthly payments - just instant access to business loans, repaid only when your customers pay you. Check your eligibility below.

See your pre-qualified offer 

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Fast approval

Applying takes 3 minutes and funds can be with you as early as tomorrow.

Flexible repayments

No hassle with automatic repayments that flex with your card sales.

Unaffected credit score

Apply to Epos Now Capital without affecting your credit score.

Why Epos Now Capital?

  • Financing available from $1,000 - $300,000
  • No interest, no early repayment fees
  • Money in your account in less than 48 hours
  • Payments mirror your cash flow
  • Once agreed, your repayment rate will never change
  • Easy-to-understand approval process

As long as you are an Epos Now customer, you can now get funding regardless of your payment provider.


Fast-track your business dreams with Epos Now Capital

Epos Now Capital provides SMEs with business financing up to $300,000.

With no business plan required, our business financing can be used for expansion, marketing investment, inventory purchasing, cash flow management, or simply to overcome unexpected business interruptions.

Epos Now Capital on iPad

What our customers have to say

"The process to apply is simple and repayments through your sales makes it a much easier way to manage than bank loans. It is also something we can monitor through the app which we like."

The Real Dog Food Company

"It was a very easy process and it was all explained well, and I was confident in the process."

Landa Catering

Frequently asked questions

See how Epos Now Capital can help your business with our quick answers.

What is Epos Now Capital?

Epos Now Capital is designed especially for small and middle-sized enterprises. It’s funding based on your business’ card transactions and potential. It includes just one fixed cost agreed upfront, so you know exactly how much you will pay. 

You won’t be charged interest, and if you wish to repay the loan early, you’re free to do so. The funding is paid for via an agreed percentage taken from your customer card transactions, both in physical stores and online. It happens automatically mirroring your cash flow – ideal for seasonal businesses.

Funding can be used for many business purposes including refurbishment, hiring staff, purchasing inventory, expanding premises, equipment upgrades – whatever your business needs.

How do I repay my business financing?

Once your financing has been funded, the repayment process begins automatically. From this point on, whenever one of your customers pays you using a card, a small percentage of that sale will go towards paying off your business financing.

The flat percentage value is agreed upon before the point of funding and will stay the same regardless of the transaction value.

For example, if it’s 20%, it will be 20% of a $10 sale or a $1,000 sale. The repayment value flexes to the size of the transaction. This process will repeat until the financing is fully repaid.

How much could I get?

Your offers will be based on your online and/or card terminal sales history.

The longer you've been trading and the higher your monthly revenue is, the better your offers will be. We offer up to two times your monthly revenue in funding.

As an example, if your business generates $10,000 worth of card sales each month on average, and you started your business 12 months ago, you could be eligible for $15,000 in funding with a fixed fee of $1,650 and repayment of 15% of your daily sales.

Who does Epos Now partner with for Epos Now Capital?

We've partnered with finance experts to ensure that you get the best deal possible.

Both Lumi and Adyen specialise in financing small-to-medium-sized businesses and offer varying sizes of loans with world-class support and service.

Our platform is designed to approve your application quickly and keep you moving, rest assured you're in excellent hands when using Epos Now Capital.

So, are you ready to dive into the world of Epos Now Capital? We can offer you seamless business financing with no risk to your credit file. Your funding is paid into your bank account quickly, so you can continue trading stress-free.

Want more details? Adyen T&Cs can be found here. Lumi's website can be found here.

How do I get a quote?

Epos Now Payments customers can review and apply for pre-qualified offers straight from the Epos Now Back Office. No fuss and no forms to fill!

Once you have been funded by us at least once, you can usually get quotes for additional funding and get the funds transferred the same day that you request it.

How do I qualify?

There are some basic criteria we ask our customers to meet before they can become pre-qualified for a business financing:

  • Your business needs to have been trading for 3 months or more
  • Accept card payments from your customers via a card machine or e-comm gateway
  • A minimum monthly card turnover of $1,500 per month
How long does my financing take to repay?

It will typically take an average of 6 to 9 months to repay, but this may vary depending on the size of your funding and the frequency and value of card transactions being paid to your business.

How will I know how much I have left to pay back?

For Adyen Epos Now Capital loan users, we've made it easily accessible on our platform - you can review your outstanding balance in your Epos Now Back Office.

For Epos Now Capital customers with a Lumi business loan, you can simply log in to your Lumi account to see your outstanding balance. 

What can I use the funds for?

You can use the funding for any business purpose. Most of our merchants use the funding to buy inventory, invest in advertising, carry out refurbishments, add a new location, or to manage a temporary disruption such as a lockdown.

Get started with Epos now Capital today

See your pre-qualified offers