Capital

Fast, Flexible Funding to Power Your Restaurant

Check for Pre-qualified Offers

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A Financial Partner Committed to Your Restaurant's Success

Toast Capital offers eligible Toast customers access to loans from $1,000 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.

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

Repayment that flexes with your restaurant's daily sales.

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.

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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.

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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.

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 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.