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✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Soft credit pull✓ Apply in 1 minute
Clover Capital Alternatives · 2026

Best Clover Capital Alternatives for Restaurants

Clover Capital ties funding and repayment to your Clover sales. Here's how restaurants get more capital and flexible repayment without being locked to one POS.

$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
Restaurantsany POS
No collateralfor working capital

See how much your restaurant qualifies for

$25K to $5M on any POS — approved on your revenue, funded in as little as 24 hours. Higher limits than processor-tied lenders.

  • ✓ 500+ credit
  • ✓ 6+ months open
  • ✓ $10K+/mo revenue
1-Minute Application

Apply Now — Get Funded in 24 Hours

Start your application in about a minute. A real decision fast — soft credit pull, no obligation.

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🔒 Soft credit pull · will not affect your credit score

Short answer: Clover Capital offers advances to businesses on Clover, repaid from a share of Clover card sales. Restaurants that want more funding, a different POS, or flexible repayment often look for an alternative. Toast Funding provides up to $5,000,000 on any POS system, with your choice of fixed payments or revenue-share, FICO 500+, funded in 24 hours.

Toast Funding vs Clover Capital

Independent comparison based on publicly stated features as of 2026. Figures vary by business and underwriting.

CriteriaToast FundingClover Capital
Maximum fundingUp to $5,000,000Based on Clover sales volume
POS requiredAny POS systemClover account
RepaymentFixed OR revenue-share% of Clover card sales
CreditFICO 500+Soft pull; varies
Speed24 hoursVaries
Products6 funding productsAdvance only

Why restaurants choose Toast Funding

  • Up to $5M — well beyond a POS-linked advance
  • Works on Clover, Toast, Square, or any POS
  • Fixed payments OR revenue-share — your choice
  • FICO 500+ accepted; approval on revenue
  • Funded in as little as 24 hours
  • Six products, not a single advance

What you need to apply

  • US-based restaurant or food business
  • 6+ months in business
  • ~$30,000+ in monthly revenue
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

What is Clover Capital?
Clover Capital is a funding program for businesses using Clover POS, providing advances that are typically repaid from a percentage of Clover card sales.
Why look for a Clover Capital alternative?
Common reasons are wanting more funding than a POS-linked advance provides, keeping repayment flexible, or not wanting funding tied to one POS system.
Do I have to leave Clover to use Toast Funding?
No. Toast Funding is processor-independent — keep using Clover (or any POS). Underwriting is based on your bank statements, not your POS provider.
How much can a restaurant get?
Restaurants typically qualify for $50K-$250K at $30K-$100K monthly sales, scaling up to $5,000,000 for high-volume operators.
How fast is funding?
Most restaurants fund within 24 hours of approval, with a 5-minute application and soft credit pull.

See what your restaurant qualifies for

Apply in 5 minutes with a soft credit pull — on any POS, up to $5M.

Apply Now →

This is an independent comparison based on publicly available information about Clover Capital as of 2026; features and terms may have changed. Toast Funding is not affiliated with or endorsed by Clover or Fiserv. Product and company names referenced are the property of their respective owners. Toast Funding terms are set at application.

Get funded in 24 hours

Approved on your revenue, not just your credit. Start your 1-minute application.

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Why restaurants choose Toast Funding

Independent and POS-agnostic — a faster, higher-limit alternative to processor-tied offers. We are not Toast, Inc.

🍽️

Any POS, no lock-in

Toast, Square, Clover, Aloha, TouchBistro — keep or switch processors without losing your funding.

⚡

Funded in 24 hours

Decision in as little as 4 hours, money wired in 24–48. Same-day for clean files.

📊

Higher limits, approved on revenue

Up to $5M vs a processor cap. 500+ FICO accepted, underwritten on your deposits and sales.

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

START MY 1-MINUTE APPLICATION →
Apply Now — Funded in 24 Hours →
Before you go

See how much your restaurant qualifies for

$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.

START MY 1-MINUTE APPLICATION →

No obligation · takes about a minute