Switching to Toast
Feeling limited by your current tech? Toast is here for you, starting with easy onboarding.
Opening a New Restaurant
We'll take care of the technology, so you can focus on what matters most.
ONLINE ORDERING
A commission-free solution, totally integrated with your POS for real-time updates.
PAYROLL SUITE
Fast, easy payroll synced right with your POS.
ACCESS CAPITAL
Fast, flexible funding to power your restaurant.
Free Tools and Templates
Guides, e-books, and templates designed to help you run your restaurant business better.
Video Courses
Learn something new today — whether you've got 5 minutes or 50.
Trends and analysis from across the industry
Resources to help you get the most out of Toast
Restaurants of all kinds finding success with Toast
Get rewarded for helping restaurant clients succeed
Explore new and upcoming Toast solutions
Toast solutions for any concept
Operations, team management, payroll and more
Tools, insights, and advice
Front of house, back of house, and online seamlessly connect and work in sync.
Toast is designed for restaurant success. Customize Toast to fit the needs of your restaurant type.
Industry Insights
Toast Central
Customer Stories
Local Partner Advocates
Innovation at Toast
Under 10 Employees? Explore Starter Kits
This FAQ applies only to customers in Utah.
Certain states, such as Utah, have new laws that require a disclosure to be provided to borrowers regarding commercial financing transactions, such as Toast Capital Loans.
For Utah, this is the Utah Commercial Financing Registration and Disclosure Act.
This disclosure requires information to be provided to you, such as details about your loan repayment amount, cost of financing and payment frequency, with the aim of helping borrowers understand the costs and benefits of financing offers, and to compare different offers to find the best financing solution to meet their needs.
This form is for your own reference — there is no action required on your end or any additional form to sign.
WebBank is the lender that issues Toast Capital Loans. Toast Capital Loans are serviced by Toast Capital LLC — the application, servicing, and support are all handled by us (Toast Capital LLC).
This is the fixed fee for your Toast Capital Loan. There are no additional fees beyond your fixed fee.
This fixed fee will not change — i.e. it won’t increase if you take longer to pay off what you owe.
What is the “estimated initial payment”?
This is our estimate of the first payment you will make toward your Toast Capital Loan; your actual payment will be determined based on your sales revenue on your first day of repayment.
There is no broker involved with a Toast Capital Loan.
For non-Toast Capital Loans, if anyone involved in your loan transaction meets the definition of a broker by the Utah statute and receives compensation for arranging the transaction, there will be an amount listed in this box.
No, if you decide to repay early, you will still have to repay your total outstanding balance.
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.