Fast, easy, and flexible funding from a partner who gets it

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

No, applying for a Toast Capital Loan does not affect your personal or business credit score, and there is no credit score requirement to apply.

Q: How much does it cost?

Toast Capital Loans have a fixed fee * that will not change regardless of how long it takes to repay the loan. The total amount you owe is the loan amount plus the fixed fee. There is no compounding interest or hidden fees, e.g., no application, prepayment, or late fees.

Q: How can I use a Toast Capital Loan?

Toast Capital Loans can be used for any business need, including covering short-term cash flow, hiring employees, purchasing inventory and equipment, refinancing and paying off debt, renovating an existing location, opening a new location, among many other options.

Crunched for cash or ready to expand? Access loans ranging from $1,000 to $300,000 with Toast Capital.^§

Check for Pre-Qualified† Offers

Not a Toast Customer?

Schedule Your Free Demo

A financial partner like no other

We've been building alongside restaurant owners and employees for over a decade. Which means
industry-specific nuances like seasonality don't scare us one bit. What else sets us apart?

Industry expertise

No credit score requirements: We evaluate your business holistically and take industry-specific challenges like seasonality, into account.
Just one simple fixed fee*: No compounding interest, no personal guarantee, no giving up equity, no application fee or late fees.
We expect the unexpected: Our industry can be unpredictable, which is why repayments flex with your cash flow.††
Note: Terms shown in images on this page are for illustrative purposes and do not represent an actual Toast Capital Loan offer.

Fast and flexible loans

Apply in minutes: Applying for a Toast Capital Loan takes just a few minutes. Plus there's no credit score impact, no credit score requirements, and no mountain of documents to dig up.
Next-day funding: Once approved, you could receive funding as soon as the next business day after signing your loan agreement.§The sooner you get your capital, the faster you can focus on running your business.
Send loan funds to your bank or Toast Checking₁ account so you can quickly cover payroll, inventory, or renovations.

Easy repayment

Automated repayment††: Payments are made as a fixed percentage of your daily card transactions, so you don't have worry about keeping up with another bill.
Flexible payments††: 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.

Automated daily repayment

In our industry, unpredictability is, well, predictable. That's why Toast Capital Loan repayment flexes with your cash flow.^†† On days when your sales are higher, you'll pay more than on days your sales are lower.

Sales: $3,850
Payments: $385

Sales: $3,550
Payments: $355

Sales: $3,590
Payments: $359

Sales: $4,280
Payments: $428

Sales: $5,220
Payments: $522

Sales: $5,890
Payments: $589

Frequently Asked Questions

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

Toast Capital Loan eligibility and the target terms your business is eligible for are based on a variety of factors. Some of these factors include your business’ card processing volume, time on Toast, and status of any bankruptcy filings. You can look to see if you have a pre-qualified offer by visiting your Toast Capital dashboard. To learn more about eligibility, please read our Toast Capital: Loan Eligibility article.

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

How do I repay my Toast Capital Loan?

Loan repayments are automated as a fixed percentage of daily card transactions processed through Toast. This means repayment flexes with restaurant sales volume so when sales are slower, you will repay less than on busy days. Toast Capital Loans offer different target repayment terms ranging from 90 days to 360 days, depending on eligibility. The maximum repayment term is 60 days following the end of the target repayment term. Any outstanding balance due at the end of the maximum term will be collected automatically via ACH.

If you select a 270- or 360-day target term, and you are provided with a Repayment Milestone Schedule with your Credit Agreement, then, every 30 days during the term, your total payments to date must equal the minimum amount disclosed to you. If they fall short, the difference may be collected via ACH.

How much does it cost?

How can I use a Toast Capital Loan?

Hungry for more? We’ve got you covered.

Restaurant Expansion Checklist: Your Guide on How to Expand

Download Today

How Much Do Small Businesses Make? (2025 Data)

Loans 101: All About Loan Applications

Already a Toast customer? Visit your personalized Toast Capital dashboard to see if you're pre-qualified for a loan today.

Check eligibility

Get started today

Talk to a restaurant expert today and learn how Toast can help your business.

Get a Demo

This page was last updated on: June 1, 2026

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

¹Toast is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of the insured bank. Certain conditions apply to the pass-through insurance coverage.
†Pre-qualified offers are based on information about your business and your account history with Toast, including your sales history, if applicable. All loans are subject to credit approval, and terms and availability may change based on your business’ ability to meet applicable credit and eligibility criteria.

††Toast Capital Loans offer different target repayment terms ranging from 90 days to 360 days, depending on eligibility. The maximum repayment term is 60 days following the end of the target repayment term. Any outstanding balance due at the end of the maximum term will be collected automatically via ACH.

If you select a 270- or 360-day target term, and you are provided with a Repayment Milestone Schedule with your Credit Agreement, then, every 30 days during the term, your total payments to date must equal the minimum amount disclosed to you. If they fall short, the difference may be collected via ACH.

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

*Excluding Florida Documentary Stamp Tax costs for Credit Agreements signed in Florida. See your Credit Agreement for details.