Fast Funding · 2026

Fast Restaurant Funding: Same-Day & 24-Hour Business Cash

Need cash today? Fast funding for restaurants — apply in minutes and get funded in hours, approved on your revenue, not slow bank paperwork.

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Same dayFastest

24 hrMost funding

500+Min FICO

$5MMax amount

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

How fast can a restaurant get funded?

Fast business funding means applying and getting cash the same business day for smaller amounts, and within 24 hours for larger funding. Because Toast Funding approves on your bank deposits (FICO 500+) — not tax returns — decisions take hours, not weeks. Amounts run $5,000 to $5,000,000, with a 5-minute application and a soft credit pull.

From application to cash

Apply in 5 minutes

Short application with a soft credit pull that does not affect your score.

Decision in hours

Reviewed on your deposits — not tax returns or collateral.

Accept your offer

Amount and terms shown up front, fees disclosed before you sign.

Funded fast

ACH to your account — same day for smaller amounts.

How fast, by source

Typical 2026 time-to-funding.

Source	Time to funding	Credit
Toast Funding	Same day – 24 hours	FICO 500+
Online lenders	1 – 3 days	600+
SBA loan	3 – 8 weeks	650+
Bank	2 – 6 weeks	680+

Working Capital Calculator

Estimate your funding amount and payment. Move the slider to your average monthly revenue.

Average monthly revenue $50,000

$50,000Estimated funding

12 moTypical term

$4,896Est. monthly payment

Estimates only, for illustration. Real amounts and terms are set at underwriting.

What you need to apply

US-based restaurant or food business
6+ months in business
~$20,000+ in monthly revenue
Last 3 months of business bank statements
Valid EIN and business bank account
FICO 500+ (approval on revenue)

Amounts & speed

Fast funding through Toast Funding runs from $5,000 to $5,000,000. Smaller amounts with strong deposits can fund the same business day; larger amounts fund within 24 hours of approval.

Apply early in the day for the best chance at same-day. The application takes about 5 minutes with a soft credit pull.

Use the calculator above to estimate your amount and payment.

Restaurant businesses we fund fast

Quick-Service & Fast-Casual

Fund labor and food cost through demand swings and new-location openings.

Cafes & Coffee Shops

Cover equipment, seasonal dips, and inventory for a growing daypart.

Food Trucks & Ghost Kitchens

Capital for a second truck, commissary costs, or a delivery push.

Bars & Grills

Stock the bar, staff busy seasons, and smooth uneven weekly sales.

When fast funding makes sense

An emergency cost — Handle a breakdown or urgent bill today.
Payroll is due — Cover wages when cash is tight this week.
A time-sensitive deal — Grab an opportunity before it's gone.
A slow-paying customer — Bridge the wait without stalling operations.
You were declined elsewhere — Get approved on revenue when a bank said no.

Frequently asked questions

Can I really get funded the same day?

Yes for many businesses — smaller amounts with strong deposits can fund same-day. Apply early for the best chance.

Does applying hurt my credit?

No — it's a soft credit pull that doesn't affect your score.

What do I need?

Just 3 months of business bank statements, an EIN, and a business bank account.

Will checking my options affect my credit score?

No. Prequalifying uses a soft credit pull that does not affect your score. A hard pull only happens if you accept an offer.

What can I use the funds for?

Any legitimate business purpose — payroll, inventory, materials, equipment, marketing, covering a slow period, or growth. There are no restrictions on how you use the capital.

Are there any upfront or application fees?

No. Applying and getting a decision is free. Any fees are disclosed in your offer before you accept, so there are never surprises.

Sources & further reading

Figures and calculator estimates are typical 2026 industry examples for general information and vary by underwriting; your actual terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.

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.

✓ 500+ credit
✓ 6+ months open
✓ $10K+/mo revenue

START MY 1-MINUTE APPLICATION →