Funded in 24 hours. Already have a Toast Capital advance and need more? Get additional capital on top of it. On Square, Clover, or any other POS? Get funded too — approved on your sales, independent from your processor.
Instant estimate · soft credit pull · won't affect your scoreNo paperwork to start · soft credit pull · no obligation
No POS access, no tax returns, no business plan. Just your last 3 months of bank statements.
Answer a few questions online. Soft credit pull only — it won't affect your score, and there's no obligation.
We underwrite on your bank deposits and sales — not just your credit. Most operators hear back in as little as 4 hours.
Approved amounts wire in 24–48 hours, same-day for clean files. Use it for anything your restaurant needs.
Toast Capital, Square Capital, and Clover Capital cap you and lock you in. We don't. And you can fund on top of an advance you already have.
Any concept, any POS — full-service, fast-casual, bars, cafés, food trucks, catering, and multi-unit groups.
Open or remodel without draining cash flow. Sized against your existing units' performance.
Broken walk-in, new ovens, a POS upgrade — same-day cash when a shift can't wait.
Escape a daily holdback or consolidate stacked advances into one honest structure.
Already have a Toast Capital balance? Get additional capital without paying it off first.
Cover payroll, inventory, and slow-season gaps with revenue-based repayment that flexes.
Mobilize a big catering contract or fund a multi-unit expansion with group-aware sizing.
Real capital, real fast — for operators just like you.
Yes. We fund on top of an existing processor advance based on your bank deposits. You don't have to pay off Toast Capital first — we add the capital you actually need.
No. Stay on Toast, Square, Clover, or any system. We fund on your bank deposits, not your POS provider — and there's no lock-in.
500+ FICO. We underwrite primarily on revenue and deposit consistency, so steady restaurants qualify even after a bank says no.
A decision in as little as 4 hours and money wired in 24–48 hours — same-day for clean files.
Just 3 months of bank statements. No tax returns, no business plan, and no collateral for working capital.
No. Toast Funding is an independent lender — not affiliated with Toast, Inc. (NYSE: TOST). We fund operators on Toast POS and every other processor, and we compete directly with Toast Capital.
$25K–$5M for your restaurant — on any POS, on top of your existing advance, approved on your sales.