Why Restaurants Look Beyond Toast Capital
Amount cap: Toast Capital tops out around $300K for most operators. Larger restaurants doing $200K+ monthly need $500K-$5M.
POS lock-in: repayment is tied to daily Toast card processing volume — every dollar that hits Toast, a percentage is automatically held back. You give up flexibility.
Single repayment structure: Toast Capital uses POS-percentage holdback only. No fixed weekly or monthly payment options.
Toast-only: if you switch POS systems mid-loan or run multiple POS systems, the structure breaks down.
Comparison Table
| Lender | Max Amount | Speed | Repayment | POS Required |
|---|---|---|---|---|
| Toast Capital | ~$300K | 1-3 days | POS holdback only | Yes (Toast) |
| Toast Funding (us) | $5M | 4-24 hours | Daily/weekly/monthly choice | No |
| Square Capital | $250K | 1-3 days | POS holdback | Yes (Square) |
| Kapitus | $5M | 1-3 days | Multiple options | No |
| Fora Financial | $1.4M | 1-3 days | Daily/weekly | No |
When Toast Funding Wins
- Need amount above $300K
- Want repayment flexibility (fixed payment OR revenue-share)
- Run multiple POS systems or plan to switch
- Need money in 4-24 hours
- FICO is 500-680
Toast Capital vs Toast Funding — Quick Decision
Toast Capital wins if: amount ≤ $300K AND you're committed to Toast POS forever AND you prefer POS-tied repayment.
Toast Funding wins if: any of those conditions don't apply.