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Toast finance¹

Better cash flow. Built for the way you actually run.

Tools to understand your cash flow, plan for what’s coming, and access the funding you need — all in one place.

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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

Sales tax that files and pays itself

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.

Spend with confidence

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.

Pay all your vendors from one place
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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.

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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

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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.

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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.

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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

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Instant deposit

Get instant access to today’s card sales 8 . Move your funds to Toast Checking to cover payroll, bills, or other expenses.

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Toast Checking 5

Toast Checking automatically sets aside money for taxes and payroll as you earn, so you know exactly what you can spend. 

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The 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.

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  1. Toast Finance is the integrated suite of financial products and services offered by Toast or its affiliates that you can use to manage your business's finances. Some products are offered in partnership with third-party financial institutions. Terms, conditions, and fees may apply based on the underlying product or service.

  2. Integrated with Toast IQ, cash flow analysis is based solely on the bank account(s) you have connected and is provided for informational purposes only. Categories are assigned based on an initial analysis and can be changed by you at any time. You can disconnect your connected accounts with Toast directly from the Connected Accounts page in Cash Flow Insights, or through your banking provider.

  3. Data from external accounts that you connect to Toast is refreshed automatically each day, and is provided for informational purposes only.

  4. Monthly fee of $57.99 per location and terms and conditions apply. DAVO sales tax payment services are provided by Avalara, Inc. in partnership with Toast. Under the DAVO guarantee, Avalara will cover certain costs due to errors caused by Avalara and is subject to limitations and conditions. See full guarantee terms here.

  5. Toast Checking Accounts are provided by Thread Bank, Member FDIC. Toast is not an FDIC-insured bank. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Toast Checking Account offers limited checking services. You may issue checks from your Account but not deposit checks into your Account. Interest rate of 1.49% and Annual Percentage Yield (APY) of 1.50% for accounts with total balances of $15,000 or more is effective as of 11/4/2025. You will not earn any interest or APY if the total balance across your accounts is less than $15,000. The interest rates and APY are variable and may change at any time. Fees may affect earnings on the account.

  6. 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. Funds are typically disbursed within 1-2 business days following application.

  7. The Toast Checking Account Debit Mastercard is issued by Thread Bank pursuant to a license from Mastercard Inc. and may be used anywhere Mastercard is accepted. Only purchase transactions processed through the Mastercard network are eligible for cash back rewards. Ineligible transactions include transactions that are not processed through the Mastercard network, cash withdrawals, peer-to-peer debit transactions, refunds, or any transaction that is not consistent with lawful use of your Toast Checking Account. Toast reserves the right to modify or terminate this rewards program at any time.

  8. With instant deposit, your restaurant's card transactions (excluding American Express Direct transactions) will be deposited to your restaurant's eligible bank account typically within a few seconds (may take up to 30 minutes in rare cases). A 1.75% fee is applied to the amount of each instant deposit.

    Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program.  Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/.

    Please contact customerservice@thread.bank with questions on the sweep program. Pass-through insurance coverage is subject to conditions.