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Fast, Flexible Funding to Power Your Restaurant

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A Financial Partner 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

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 as soon as the next business day. The sooner you get your capital, the faster you can focus on your day job: running your business.

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

What you see is what you get: No compounding interest, application fees, or late fees. Just one simple fixed fee.
No personal guarantees: 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, like seasonality, into account.

Repayment that flexes with your restaurant's daily sales.

Automated repayment††: Payments are made as a fixed percentage of your daily 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 when 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 card at your restaurant.†† It’s that easy. Hover over the image below to learn more.

Sunday

Monday

Tuesday

Wednesday

Thursday

Friday

Saturday

DAILY 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

“The application process for Toast Capital was one of the easiest things we’ve done.”

E’Leece Lorey

Frequently Asked Questions

How do you determine whether my business is eligible for a Toast Capital Loan?

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

How do I repay my Toast Capital Loan?

How much does it cost?

How can I use a Toast Capital Loan?

Hungry for more? We’ve got you covered.

The Complete Guide to Restaurant Financing and Restaurant Loans Thumbnail Image

On the Line

Accounting

The Complete Guide to Restaurant Financing and Restaurant Loans (2022)

Whether you’re opening a new restaurant, expanding your concept, or renovating within your existing four-walls, you’re going to need capital to make it all happen.

Start Learning

Restaurant Financials During the COVID 19 Pandemic

Metrics & Finance

The COVID-19 Restaurant Financial Toolkit

In this Excel spreadsheet, you'll find customizable templates, tools, and calculators to help you analyze and optimize your restaurant financials as we come out of COVID-19.

Customer Story

Alpine Inn Increases Average Check Size By 45%, Processes Over $100k Per Week With Toast Mobile Order & Pay™

Full Service — Casual

Portola Valley, CA

Looking for a new Restaurant Management Platform?

Grow your business with a Restaurant Management Platform that's built to make restaurants better and offers access to funding through Toast Capital.

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Toast Capital

Visit your personalized Toast Capital Dashboard to see if you are pre-qualified for a Toast Capital Loan today.

Learn More

Toast Capital Loans are issued by WebBank. 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.

††Toast Capital Loans have a target maturity of 90 or 270 days, based on eligibility. Loans with a target maturity of 90 days have a maximum term of 150 days from disbursement. Loans with a target maturity of 270 days have a maximum term of 330 days from disbursement. Any outstanding balance due at the end of the maximum term will be collected automatically via ACH.

‡Get funds in your account as soon as the next business day after application, subject to processing time and completion of your loan agreement. To reduce processing time, make sure that all of your restaurant’s ownership information on file with Toast is up to date before applying and respond quickly to any requests for information.