Toast Finance¹
优化现金流。旨在满足您的实际经营方式之需。
助您了解现金流、规划未来并获取所需资金的工具，为您提供一站式全方位支持。
What is Toast Finance and how does it help restaurants manage cash flow?
Toast Finance is Toast’s integrated suite of financial tools for restaurants to manage cash flow, set aside money for taxes and expenses, pay vendors, and access business funding. It is built for US restaurant operators who need clearer visibility into available cash and faster ways to cover payroll, bills, equipment, or growth. Within Toast’s product suite, Toast Finance connects offerings like Toast Checking, Toast Capital, Instant Deposit, and sales tax automation into one finance-focused experience.
Protect the payments you can’t afford to miss
Toast Finance can help make sure the cash is always there when it counts.
Sales tax that files and pays itself
Sales tax that files and pays itself. The DAVO Sales Tax Smart Jar automatically sets aside the exact amount owed daily — then files and remits it on time, guaranteed.4
Automatically set aside funds in Toast Checking5 Jars for payroll, rent, or any expense ahead — so your balance can better reflect what’s actually yours to spend.
Send payments to any vendor via auto-debit, check, wire, or ACH transfer directly from Toast — no extra logins, no tab-switching, no separate bank portal.
Funding from a partner who understands your business
When opportunity hits or cash gets tight, you need funding that works with your business — not against it. Fast access to capital 6 , terms built around how you actually run.
Short-term support when cash flow gaps hit
Toast Capital 6 gives you access to short-term loans designed around your cash flow, not a credit score. Once approved, capital lands in your account as soon as the next business day. 6
Fund your next move
From upgrading equipment to opening another location, Toast Capital 6 offers access to loans up to $300,000 per location — with terms built around your sales data, one simple fixed fee, and no personal guarantee.
Make the cash in your account work harder
Earn competitive APY on your Toast Checking qualifying balance 5 and 1% cash back on eligible debit purchases 7 — so the cash in your account is always earning, even when you’re not spending it.
Cash flow flexibility, on your terms
Instant deposit 8 gives you on-demand access to your closed card sales every day, once a week, or every once in a while — so cash is always there when you need it.
How Toast Finance transformed two restaurants
The owners of Pangea on Ocean Ave and Sur at The Barnyard in Carmel-by-the-Sea, California share how Toast Capital and Toast Checking helped them stop operating in survival mode and start planning for the future with confidence.
Toast products work together, for you
Toast Capital
15,000+ businesses have trusted Toast Capital to fund their dreams. See if you’re eligible today. 6
Learn more
Instant deposit
Get instant access to today’s card sales 8 . Move your funds to Toast Checking to cover payroll, bills, or other expenses.
Learn more
Toast Checking 5
Toast Checking automatically sets aside money for taxes and payroll as you earn, so you know exactly what you can spend.
Learn moreThe future of Toast Finance
We’re building toward an agentic future where your cash flow is proactively managed, your books stay current in the background, and every dollar works harder for your business.
![[US] The future of Toast Finance](https://images.ctfassets.net/tgv5pu8pgmos/1OVkbUs83SzA8gYWNSXNqI/39344a353003b51c2ea6063befff96fd/Frame_1430106320.png?fm=avif&w=2256&fit=scale)
Toast Finance 是由 Toast 或其附属公司提供的综合金融产品和服务套件，您可以使用它来管理您的企业财务。部分产品是与第三方金融机构合作提供的。根据相关产品或服务，可能适用相应的条款、条件和费用。
现金流分析与 Toast IQ 集成，完全基于您已关联的银行账户，且仅供参考。类别基于初步分析自动分配，您可随时进行修改。您可以在 Cash Flow Insights 的“已关联账户”页面直接断开与 Toast 的账户连接，也可以通过您的银行服务提供商进行操作。
您关联到 Toast 的外部账户数据每天会自动刷新，且仅供参考。
每个门店每月收费 57.99 美元，并须遵守相关条款和条件。DAVO 销售税支付服务由 Avalara, Inc. 与 Toast 合作提供。根据 DAVO 担保，Avalara 将承担因其自身错误而产生的某些费用，并须遵守相关限制和条件。点击此处查看完整的担保条款。
Toast 支票账户由 Thread Bank (Member FDIC) 提供。Toast 并非 FDIC 承保银行。FDIC 存款保险承保受保银行的破产风险。代管存款保险范围须满足特定条件方可生效。Toast 支票账户提供有限的支票服务。您可以通过自己的账户签发账单，但不能向账户中存款。总余额为 15,000 美元或以上的账户，利率为 1.49%，年收益率 (APY) 为 1.50%，自 2025 年 11 月 4 日起生效。如果您的账户总余额低于 15,000 美元，您将无法获得任何利息或年收益率。利率和年收益率是浮动的，可能随时变动。账户收益可能会受各项费用的影响。
Toast Capital 贷款由 WebBank 发放。贷款须经信用审批，可能不适用于某些辖区的借款人。WebBank 保留更改或终止本计划的权利，恕不另行通知。资金通常在申请后的 1-2 个工作日内发放。
Toast 支票账 户 Mastercard 借记卡由 Thread Bank 根据 Mastercard Inc. 的许可发行，并且可在全球所有接受 Mastercard 卡的场所使用。只有通过 Mastercard 网络处理的消费交易才有资格获得返现奖励。不符合条件的交易包括未通过 Mastercard 网络处理的交易、现金提款、点对点借记交易、退款或任何有违 Toast 支票账户合法用途的交易。Toast 保留随时修改或终止本奖励计划的权利。
使用即时存款服务，您餐厅的银行卡交易（不包括 American Express Direct 交易）通常会在几秒钟内存入您餐厅符合条件的银行账户中（极少数情况下可能需要长达 30 分钟）。每笔即时存款金额需支付 1.75% 的手续费。
当 Thread Bank 将您的存款存入其存款归集计划中的合作银行时，您的存款可获得高达 3,000,000 美元的 FDIC 保险保障。 您在每家合作银行的存款都有资格获享高达 250,000 美元的 FDIC 保险，包含您以同一存款人身份在该行可能持有的其他存款。您可以在 https://thread.bank/sweep-disclosure/ 查阅资金归集计划的条款和条件，并在 https://thread.bank/program-banks/ 查阅合作银行列表。
如对资金归集计划有任何疑问，请联系 customerservice@thread.bank。代管存款保险须受相关条件限制。