1
Explain the need
State how much you need, what it is for, and when. Include current financing.
A clearer plan for your business
Funding for your next restaurant move.
Compare funding options, prepare your documents, and request a review for your business.
Toast Funding is independent of Toast, Inc. Funding amounts and availability are subject to review.
What the review considers
| Revenue and cash flow | Consistent deposits, essential expenses, and capacity for the proposed payments. Gross sales are not the same as cash available for payments. |
|---|---|
| History and credit | Operating history, credit profile, and ownership. Criteria vary by provider and product; ask which credit inquiry is required. |
| Documents | Recent bank statements and legal business information, plus equipment quotes, processor statements, or a current payoff letter when relevant. |
| Current obligations | Include rent, taxes, loans, advances, and current withdrawals. Restrictions in existing agreements also matter. |
Choose by structure. Not just speed.
A funding need can have several possible solutions. Compare the actual contract, not just its label.
| Option | What to check |
|---|---|
| Working capital | Funding for operating needs. Working capital describes the purpose, not a single contract: compare the actual financing type, cost, payment schedule, and restrictions in the offer. |
| Merchant cash advance | An advance structured around future business receipts. Collections may use a percentage of receipts or scheduled debits; read the reconciliation provisions, total purchased amount, and fees. A factor rate is not an APR. |
| Business line of credit | An approved credit limit you can draw against under its terms. Compare interest, draw fees, payment minimums, renewal conditions, and whether repaid amounts become available again. |
| Equipment financing | Financing tied to an eligible equipment purchase. The equipment may secure the obligation; compare down payment, ownership, useful life, warranty, and total financing cost against paying cash or leasing. |
| Expansion funding | A funding purpose that may combine operating cash and project financing. Budget construction, deposits, permits, hiring, and the period before a new location generates dependable revenue. |
| Advance buyout / refinance | A new financing arrangement may pay off an existing advance. Compare the written payoff, new fees, total new obligation, and net cash remaining. A lower daily payment does not necessarily mean a lower total cost. |
Three steps to move forward
2
Review the numbers
Compare net cash, fees, payments, guarantees, and total cost before deciding.
3
Decide with clarity
Accept only if you understand the terms and they fit your cash-flow plan.
Questions before applying
Is the displayed amount guaranteed?
No. This is a planning scenario, not an offer. Revenue, cash flow, history, and existing obligations determine which options may be available.
Can I apply with an existing advance?
Disclose the balance and current collections. Contract restrictions and payment capacity must be reviewed before another obligation or a payoff arrangement is considered.
When would funds arrive?
Timing depends on a complete file, approval, signing, and bank processing. Ask about the cutoff; do not assume same-day availability.
Do I need to change processors?
That depends on the funding structure. A card-sales split may require specific processing arrangements. Check POS, equipment, and contract compatibility before switching.
Is Toast Funding the same as Toast Capital?
No. Toast Funding is independent and is not affiliated with, sponsored by, or endorsed by Toast, Inc.
Your next move starts with a review.
Tell us what you need and compare options for your business.
Subject to review. Approval, savings, and funding dates are not guaranteed.
Explore another funding need
Practical guides
Full-service restaurant — Funding qualificationsFull-service restaurant — Documents to prepareFull-service restaurant — Compare the total costFull-service restaurant — Build a cash-flow planFull-service restaurant — Same-day funding: what to checkFull-service restaurant — Credit-card split fundingFull-service restaurant — Toast Capital buyout reviewFull-service restaurant — Changing payment processorsFull-service restaurant — Funding with an existing advanceFull-service restaurant — Review a written offerFast-casual restaurant — Funding qualificationsFast-casual restaurant — Documents to prepareFast-casual restaurant — Compare the total costFast-casual restaurant — Build a cash-flow planFast-casual restaurant — Same-day funding: what to checkFast-casual restaurant — Credit-card split fundingFast-casual restaurant — Toast Capital buyout reviewFast-casual restaurant — Changing payment processorsFast-casual restaurant — Funding with an existing advanceFast-casual restaurant — Review a written offerQuick-service restaurant — Funding qualificationsQuick-service restaurant — Documents to prepareQuick-service restaurant — Compare the total costQuick-service restaurant — Build a cash-flow planQuick-service restaurant — Same-day funding: what to checkQuick-service restaurant — Credit-card split fundingQuick-service restaurant — Toast Capital buyout reviewQuick-service restaurant — Changing payment processorsQuick-service restaurant — Funding with an existing advanceQuick-service restaurant — Review a written offerBar and grill — Funding qualificationsBar and grill — Documents to prepareBar and grill — Compare the total costBar and grill — Build a cash-flow planBar and grill — Same-day funding: what to checkBar and grill — Credit-card split fundingBar and grill — Toast Capital buyout reviewBar and grill — Changing payment processorsBar and grill — Funding with an existing advanceBar and grill — Review a written offerCafé — Funding qualificationsCafé — Documents to prepareCafé — Compare the total costCafé — Build a cash-flow planCafé — Same-day funding: what to checkCafé — Credit-card split fundingCafé — Toast Capital buyout reviewCafé — Changing payment processorsCafé — Funding with an existing advanceCafé — Review a written offerCoffee shop — Funding qualificationsCoffee shop — Documents to prepareCoffee shop — Compare the total costCoffee shop — Build a cash-flow planCoffee shop — Same-day funding: what to checkCoffee shop — Credit-card split fundingCoffee shop — Toast Capital buyout reviewCoffee shop — Changing payment processorsCoffee shop — Funding with an existing advanceCoffee shop — Review a written offerBakery — Funding qualificationsBakery — Documents to prepareBakery — Compare the total costBakery — Build a cash-flow planBakery — Same-day funding: what to checkBakery — Credit-card split fundingBakery — Toast Capital buyout reviewBakery — Changing payment processorsBakery — Funding with an existing advanceBakery — Review a written offerFood truck — Funding qualificationsFood truck — Documents to prepareFood truck — Compare the total costFood truck — Build a cash-flow planFood truck — Same-day funding: what to checkFood truck — Credit-card split fundingFood truck — Toast Capital buyout reviewFood truck — Changing payment processorsFood truck — Funding with an existing advanceFood truck — Review a written offerCatering company — Funding qualificationsCatering company — Documents to prepareCatering company — Compare the total costCatering company — Build a cash-flow planCatering company — Same-day funding: what to checkCatering company — Credit-card split fundingCatering company — Toast Capital buyout reviewCatering company — Changing payment processorsCatering company — Funding with an existing advanceCatering company — Review a written offerFranchise restaurant — Funding qualificationsFranchise restaurant — Documents to prepareFranchise restaurant — Compare the total costFranchise restaurant — Build a cash-flow planFranchise restaurant — Same-day funding: what to checkFranchise restaurant — Credit-card split fundingFranchise restaurant — Toast Capital buyout reviewFranchise restaurant — Changing payment processorsFranchise restaurant — Funding with an existing advanceFranchise restaurant — Review a written offerMulti-unit restaurant group — Funding qualificationsMulti-unit restaurant group — Documents to prepareMulti-unit restaurant group — Compare the total costMulti-unit restaurant group — Build a cash-flow planMulti-unit restaurant group — Same-day funding: what to checkMulti-unit restaurant group — Credit-card split fundingMulti-unit restaurant group — Toast Capital buyout reviewMulti-unit restaurant group — Changing payment processorsMulti-unit restaurant group — Funding with an existing advanceMulti-unit restaurant group — Review a written offerGhost kitchen — Funding qualificationsGhost kitchen — Documents to prepareGhost kitchen — Compare the total costGhost kitchen — Build a cash-flow planGhost kitchen — Same-day funding: what to checkGhost kitchen — Credit-card split fundingGhost kitchen — Toast Capital buyout reviewGhost kitchen — Changing payment processorsGhost kitchen — Funding with an existing advanceGhost kitchen — Review a written offer
States and cities
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNew York, NYLos Angeles, CAChicago, ILHouston, TXPhoenix, AZPhiladelphia, PASan Antonio, TXSan Diego, CADallas, TXJacksonville, FLFort Worth, TXSan Jose, CAAustin, TXCharlotte, NCColumbus, OHIndianapolis, INSan Francisco, CASeattle, WADenver, COOklahoma City, OKNashville, TNWashington, DCEl Paso, TXLas Vegas, NVBoston, MADetroit, MIPortland, ORLouisville, KYMemphis, TNBaltimore, MDMilwaukee, WIAlbuquerque, NMTucson, AZFresno, CASacramento, CAMesa, AZAtlanta, GAKansas City, MOColorado Springs, COOmaha, NERaleigh, NCMiami, FLVirginia Beach, VALong Beach, CAOakland, CAMinneapolis, MNBakersfield, CATulsa, OKTampa, FLArlington, TXWichita, KSAurora, CONew Orleans, LACleveland, OHHonolulu, HIAnaheim, CAHenderson, NVOrlando, FLLexington, KYStockton, CARiverside, CAIrvine, CACorpus Christi, TXNewark, NJSanta Ana, CACincinnati, OHPittsburgh, PASaint Paul, MNGreensboro, NCJersey City, NJDurham, NCLincoln, NENorth Las Vegas, NVPlano, TXAnchorage, AKGilbert, AZMadison, WIReno, NVChandler, AZSt Louis, MOChula Vista, CABuffalo, NYFort Wayne, INLubbock, TXSt Petersburg, FLToledo, OHLaredo, TXPort St Lucie, FLChesapeake, VAGlendale, AZWinston Salem, NCIrving, TXScottsdale, AZGarland, TXBoise, IDNorfolk, VASpokane, WARichmond, VAFremont, CAHuntsville, AL
Background on financing structures: CFPB · FTC. These agencies do not endorse Toast Funding.