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Ready to invest in your restaurant's success?

Access to fast, flexible funding for any restaurant need.

Toast Capital: restaurant financing

Committed to Your Restaurant's Success

Toast Capital offers eligible Toast customers access to loans from $5,000 to $250,000, so you can take what you need to accomplish your goals.

Fast

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Simple

Flexible

Save time filling out loan applications, so you can get back to doing what you love.

  • Apply in Minutes: Applying for a Toast Capital Loan takes just a few minutes. No need to dig up years of bank statements to apply for funding.

  • Next Day Funding: Once approved, you could receive funding in as soon as one business day, so you can put your capital to work quickly.

Save time scanning the small print with simple terms, customized for your restaurant.

  • What You See is What You Get: No compounding interest or late fees - just one fixed cost.

  • No Personal Guarantee: Get the funding you need to fuel your restaurant’s growth without putting your personal assets on the line.

  • No Credit Score Requirements: We evaluate your restaurant holistically and take industry-specific challenges into account.

Repayment that flexes with your restaurant's daily sales.

  • Automated Payments: Toast Capital Loans are repaid as a fixed percentage of your daily credit card sales, so you don't have to worry about keeping up with another bill.

  • Payments Flex With Your Cash Flow: On the days when your sales are higher, you will pay more than on days where your sales are lower.

  • Prepay at no additional cost: There are no fees for early repayment.

How it Works

Toast customers can log into their personalized Toast Capital Dashboard to get started:

1

See If You're Prequalified

2

Apply in Minutes

3

Funding as soon as 1 Business Day

4

Automated Repayment Begins

Simple, Automated Daily Repayment

Automatically repay your loan every time a guest pays with a credit card at your restaurant. It's that easy. Hover over the image below to learn more.

Sunday

Monday

Tuesday

Wednesday

Thursday

Friday

Saturday

DAILY CREDIT CARD SALES

DAILY LOAN REPAYMENT

This payment example is based on a 6% holdback rate. Numbers are for illustrative purposes only.

Why Restaurateurs Choose Toast Capital

Juvia
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"Getting funding was a painless process. It took us one business day to receive the money after we were approved. It’s a no-brainer for a restaurant business."
Cory Neel Odd Duck

Tim Sandoz
Dir of Operations

Juvia Logo

Juvia received a merchant cash advance from Toast Capital. Toast Capital currently offers access to Toast Capital Loans issued by WebBank, Member FDIC. Terms and conditions may differ.

Frequently Asked Questions

What is Toast Capital?

Does applying for a Toast Capital Loan affect my credit score?

How do I repay my loan?

How much does it cost? What is a fixed factor?

How can I use Toast Capital Loan funds?

Toast Capital Loans are issued by WebBank, Member FDIC. Loans are subject to credit approval and may not be available in certain jurisdictions. WebBank reserves the right to change or discontinue this program without notice.

†Pre-qualified offers are based on information about your restaurant and your account history with Toast, including your sales history. All loans are subject to credit approval, and terms and availability may change based on your restaurant’s ability to meet applicable credit and eligibility criteria.

‡Subject to credit approval.

© Toast Capital LLC