1
Explain the need
State how much you need, what it is for, and when. Include current financing.
A clearer plan for your business
Working capital: $100,000 — Payroll · Full-service restaurant in Mesa, AZ
Purpose: Payroll. 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.
Toast Funding is independent of Toast, Inc. Funding amounts and availability are subject to review.
Start with your operation
Separate dining-room sales, delivery receipts, food cost, and labor. A busy dining room can still have a cash gap when supplier invoices and payroll fall before deposits.
Payroll: what to budget
Build a dated payroll calendar including taxes and benefits. Size the gap until expected deposits arrive; funding does not fix a recurring loss without an operating change.
Does this option fit?
Match the duration of the need to the payment period. Expected revenue is not cash in hand; use conservative deposits and confirm permitted uses in the contract.
Mesa, AZ: the location identifies where the business operates, not a local office or an approved offer in that jurisdiction. Confirm availability and specific requirements during 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. |
Plan around net cash
$100,000 is the requested amount in this scenario, not an approved amount. Subtract any payoff and fees from approved funding before allocating money to Payroll.
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
More guides for your business
Funding qualificationsDocuments to prepareCompare the total costBuild a cash-flow planSame-day funding: what to checkCredit-card split fundingToast Capital buyout reviewChanging payment processorsFunding with an existing advanceReview a written offer
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Background on financing structures: CFPB · FTC. These agencies do not endorse Toast Funding.