Route 1: Toast additional loan
Toast says additional loans are in limited release for certain eligible customers. Your existing loan must be less than 50% repaid. There is also a maximum combined daily holdback across all your Toast Capital Loans, so most of your daily revenue still goes to you. Check your Toast Capital dashboard for an additional-loan offer.
Route 2: Toast refinance
After you have repaid more than 50%, Toast may offer a refinance. The new loan pays off the old one and the rest goes to your bank. If it shows up, compare the new money you actually receive with the new fixed fee.
Route 3: outside funding
Outside working capital is sized on your total deposits and repaid from your bank account, often by fixed daily or weekly ACH. Before anyone offers you money, these need checking:
- Your Toast credit agreement. Toast's FAQ says it may file a UCC lien to protect its priority on card receivables. A new advance that pledges those same receivables can conflict. Repaying by ACH alone does not settle that question.
- Total daily burden. Add your Toast holdback to the proposed new payment. If the two together take most of a normal week's margin, a second position will hurt.
- Net new cash. If part of the new money pays off something else, only the remainder helps you.
When more funding is the wrong move
If sales are falling and the Toast holdback is already tight, adding a second payment usually deepens the hole. In that case the better conversation is a payoff and consolidation into one payment, or waiting until the Toast loan is far enough along to refinance.
Worked example: what reaches your bank
| Illustration only | Per month |
|---|---|
| Card sales processed through the POS | $100,000 |
| Existing daily holdback (10% of card sales) | −$10,000 |
| Card processing fees (about 3%) | −$3,000 |
| Card money that reaches your bank | $87,000 |
| Cash, delivery-app and catering deposits | +$18,000 |
| Total deposits you actually work with | $105,000 |
| Proposed new weekly payment ($2,000 × 4.33) | −$8,660 |
| Combined funding payments as a share of deposits | 18,660 / 105,000 = 17.8% |
Made-up numbers to show the math, not an offer or a rate. Run it with your own statements: once total funding payments start eating most of a normal month's margin, a second payment usually makes things worse, not better.
Get an independent review
$25,000 to $5,000,000 for restaurants on any POS. Credit from 500 considered. Soft credit pull to start. Approved restaurants funded in as little as 4 hours.
Request an additional funding review →ToastFunding is an independent restaurant funding company. It is not affiliated with, endorsed by or sponsored by Toast, Inc. Toast Capital Loans are issued by WebBank.
Questions owners ask
Can I have two Toast Capital Loans at once?
Some eligible customers can, through Toast's additional-loan feature, while their existing loan is under 50% repaid. Toast caps the combined daily holdback.
Can I get outside funding while I owe Toast Capital?
Possibly, but it depends on your agreement and your cash flow. Toast says a merchant cash advance with a security interest in card receivables conflicts with a Toast Capital Loan. Have your agreement and statements reviewed before you sign anything.
Is refinancing better than a second loan?
Often, because it leaves one payment instead of two. Compare the new cash you receive with the new fee in both cases.
Related guides
Toast Capital facts on this page come from Toast's own pages, checked October 15, 2026: Toast Capital multiple loans FAQ; Toast Capital FAQ. Toast's terms can change. Your Toast Capital dashboard and agreement are the final word on your Toast loan. ToastFunding is an independent restaurant funding company. It is not affiliated with, endorsed by or sponsored by Toast, Inc. Toast Capital Loans are issued by WebBank.