Ready to invest in your restaurant's success?

Toast Capital connects Toast restaurants with access to funding to meet their needs and fuel their growth without any credit check or personal guarantee. Eligible Toast customers can apply for a Toast Capital Loan in just a few minutes and, once approved, receive funds in as soon as one business day. To be eligible, you must have been processing on the Toast POS platform for at least six months. Funding is available between $5,000 and $250,000, based on eligibility. Toast Capital Loans are made by WebBank, Member FDIC.

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

Toast Capital Loan repayments are automated as a fixed percentage of daily credit card sales. This means repayment flexes with your restaurant sales volume so when sales are slower, you will repay less than on busy days. Your cost of capital will not change based on the amount of time it takes you to repay. The amount of daily credit card sales that are held back toward repayment of your loan is based on your restaurant’s projected sales and total loan amount, with a target repayment of 270 days. Despite the target repayment date, there is no fixed loan term and payments will continue to be collected until your loan is completely repaid.

A fixed factor is the fixed cost paid to borrow the loan. The fixed cost will not change regardless of how long it takes to repay the loan. Toast Capital Loans have no compounding interest, require no personal guarantees, and have no origination or late fees.

Funding from a Toast Capital Loan must be used for a business purpose to manage or invest in your restaurant, 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.