Every independent retailer knows the equipment conversation. The scales are limping, the lanes are a decade old, and the quote on the counter is the price of a very good year. EM Finance, with SilverChef, means that decision stops being about the lump sum.
EM Finance is not a GaP lending product. It is the finance pathway we have set up with SilverChef, the equipment finance specialist for the hospitality and food retail industry, so that the hardware we supply can be funded rather than bought outright.
The practical difference is this. Instead of a single invoice for a full lane refit, a set of Ezi Scale units or an EM Forecourt controller upgrade, you take a weekly or monthly payment against the equipment. The gear arrives, it starts earning, and the cost sits in operating expenses rather than carving a hole in working capital.
We handle it the same way we handle everything else: our own people, start to finish. You talk to the GaP team you already deal with, not a call centre. Because our development, support and training teams are all in house, the equipment, the software and the finance arrangement get scoped together rather than bolted on afterwards.
Forty years of equipment finance built for one industry, not for every industry.
Finance approval
Minimum rental term
Rental payments tax deductible
Funded by SilverChef to date
SilverChef is the only equipment finance company in the market built exclusively for the hospitality and food industry. Forty years in, they have funded more than $2.6 billion in equipment and worked with close to 100,000 customers across Australia, New Zealand, Canada and the United States.
That specialisation matters more than it sounds. A general lender assesses a butcher’s bandsaw the way it assesses a photocopier. SilverChef understands that food retail equipment earns from the day it is switched on, that seasons move cash flow around, and that an independent’s balance sheet does not look like a franchise group’s.
They are also a certified B Corporation.
One keeps your options open. The other gets you to ownership on a fixed, budgetable path.
A minimum twelve month rental with the decision left open at the end of it.
The case for it is simple. If you are not certain a second self-checkout lane will pay for itself in your store, Rent-Try-Buy lets you find out for the cost of twelve months rather than the cost of the asset.
For equipment from $10,000 up, where you already know you want to own it.
This is the one to look at for infrastructure you will run for a decade: checkout lanes, forecourt controllers, a full weighing and labelling fit-out.
Five situations independents tell us about, and what funding the equipment changes in each.
A lane replacement funded outright can consume a whole year of capital expenditure budget. Funded, it sits alongside the other things the store needs doing.
Ageing scales and slow lanes have a price, it is just not written on an invoice. Queue length at 5pm, mispriced items, staff time spent working around a machine that should have gone three years ago.
Fuel sites, bakeries and fresh departments do not earn evenly across the year. A weekly payment absorbs that better than a lump sum in the wrong month.
Rent-Try-Buy is the honest answer to “we think self-checkout would work here, but we are not sure”. Twelve months in your store with your customers is a better answer than anyone’s case study.
Retail hardware moves. The ability to upgrade mid-term means you are not locked to the equipment you could afford in 2026.
One thing to be clear about: finance is a commercial arrangement with SilverChef, and approval is theirs to give. We can scope the equipment and start the conversation, but the terms and the credit decision sit with them.
Put in the equipment value and see the weekly figure.
The questions independents ask us most often about financing a fit-out.
EM Finance is not a GaP lending product. It is the equipment finance pathway we have set up with SilverChef, so that the hardware we supply can be funded with weekly or monthly payments rather than bought outright.
Anything we supply. In practice it is the expensive things: EM POS lanes and terminals, self-checkout units, Ezi Scale, Ezi Ticket and Ezi Labeller, EM ESL shelf labels, and EM Forecourt pump controllers and site hardware.
Rent-Try-Buy is a minimum twelve month rental that leaves the decision open. At twelve months you can buy the equipment, upgrade it, hand it back or keep renting. Lease-to-Keep is for equipment from $10,000 up where you already know you want to own it, with payments spread across four years and the equipment yours at the end of the term.
Rent-Try-Buy rental payments are 100% tax deductible. GaP Solutions is not a tax adviser, so check your own position with your accountant.
SilverChef. Finance is a commercial arrangement between you and SilverChef, and the terms and the credit decision sit with them. We scope the equipment, give you a real number and start the conversation.
Yes. On Rent-Try-Buy you can upgrade or change equipment at any point during the term. That matters if you are part way through a store refit, or trialling self-checkout before committing to a second lane.
No. If you are scoping a new fit-out or replacing ageing equipment, we can quote the hardware and walk the finance options through with you at the same time.
Tell us what the store needs and we will scope the equipment, give you a real number, and walk the finance options through with you. No obligation to proceed, and no pressure to buy outright.
Call 1300 722 289, or fill in the form and we will come back to you.
