Fast, Flexible Funding for Any Restaurant Need

Toast Capital connects Toast restaurants with access to funding for any restaurant need without any credit check or personal guarantee. As a part of Toast's winter relief program, Toast Capital is introducing access to Toast Capital Winter Loans - short term loans to help support your business and employees. We’ve seen how resilient and hardworking Toast customers are during the COVID-19 pandemic and want you to feel prepared for winter.

Here’s how it works:

• Apply for a loan. Eligible Toast customers can apply for a loan in just a few minutes. Loans have one fixed, transparent cost - no compounding interest or hidden fees.
• Get funded fast. Once approved, funds are deposited in as soon as one business day.
• Flexible, automated payback. Loan repayments are automated as a fixed percentage of daily credit card sales, so on days when sales are slower, you pay back less than on busy days.*

*Toast Capital Winter Loans have a target maturity of 90 days with a maximum repayment term of 120 days from disbursement. Any outstanding balance due at the end of the term will be collected automatically via ACH.

Toast Capital Winter 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.

No, applying for a Toast Capital Winter Loan does not affect your personal or business credit score.

Loan repayments are automated as a fixed percentage of daily credit card sales. This means repayment flexes with restaurant sales volume so when sales are slower, you will repay less than on busy days. Toast Capital Winter Loans have a target maturity of 90 days with a maximum repayment term of 120 days from disbursement. Any outstanding balance due at the end of the term will be collected automatically via ACH.

Loans through Toast Capital have one fixed, transparent cost called a factor - no compounding interest or hidden fees. The fixed cost will not change regardless of how long it takes to repay the loan.

Toast Capital Winter Loans must be used for a business purpose, including covering short term cash flow, hiring employees, purchasing inventory and equipment, refinancing and paying off debt, opening a new location, among many other options.