Epos Now secures up to £90M debt facility from HSBC UK to fund international expansion
What's the deal? Epos NowDealroom has a profile for this one. Try Dealroom →, a Norwich-headquartered SaaS and payments provider valued at over £1B, has secured up to £90M in facilities from HSBC UKDealroom has a profile for this one. Try Dealroom → to fuel international expansion. The deal includes a £55M revolving credit facility and a £35M uncommitted accordion facility.
The company plans to use the funding to grow across North America and Europe and invest further in its AI-powered business management suite. Epos Now currently supports more than 100,000 businesses worldwide across retail, hospitality, and enterprise through its payments, point-of-sale, and capital software.
"This deal marks an important milestone for Epos Now and gives us the flexibility to accelerate our international growth strategy," said founder and chief executive officer Jacyn Heavens.
Why now? Epos Now recently achieved unicorn status, joining the UK's Unicorn Council. The debt facility signals the company is ready to move from domestic strength to aggressive international scaling — using credit rather than dilutive equity to do so.
Chris Teale, senior relationship director at HSBC UK, called the unicorn milestone "significant" and said the bank is "proud to support Epos Now at this important stage of its growth journey."
What could go wrong? Expanding into North America and Europe simultaneously is capital-intensive and operationally complex. The SaaS payments space is fiercely competitive, with entrenched players like SquareDealroom has a profile for this one. Try Dealroom →, Toast, and Lightspeed already dominant in those markets.
Debt financing also carries risk: if growth stalls, the company must still service its credit obligations — unlike equity, which doesn't demand repayment.
The signal: Epos Now's choice of debt over equity mirrors a growing pattern among mature UK fintechs seeking to scale internationally without diluting founder ownership. Dealroom classifies the company as "breakout stage," suggesting it sits at an inflection point between proven domestic traction and the kind of global expansion that typically demands significant capital — making HSBC UK's corporate backing, rather than a traditional VC round, a telling indicator of where the company sees itself in its lifecycle.
Read more: EIN Presswire
