Products Capital

Fast, Flexible Funding to Power Your Restaurant

Not a Toast Customer?

A Financial Partner Committed to Your Restaurant's Success

Toast Capital offers eligible Toast customers access to loans from $5,000 to $300,000, so you can take what you need to accomplish your goals.

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.

See how Toast works for your restaurant

Explore the Toast platform - and learn how the products can work for you.

How it works

Simple, Automated Daily Repayment

Automatically repay your loan every time a guest pays with a card at your restaurant. It’s that easy.

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

Toast Capital Loan eligibility and the term your business is eligible for are based on a variety of factors. Some of those factors include your restaurant 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 log in to see our Eligibility FAQ.

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

Loan repayments are automated as a fixed percentage of daily card sales 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.

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.

Toast Capital Loans can be used for any restaurant 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.

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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 to borrowers 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, if applicable. 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 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.

§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.

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