Your oven died and the ticket rail is empty
A pizzeria that can't bake isn't slow — it's closed. The deck stone cracked mid-rush, the conveyor belt seized, the burner won't hold temp, or the whole thing finally quit after fifteen years. Every hour that oven sits cold is a night of covers you're handing to the shop down the street. And the repair tech is standing in your kitchen quoting a number you don't have in the account right now.
You don't need a lecture about credit. You need the oven hot by tomorrow. That's the entire point of this: cover the repair or replacement now, pay it back out of the sales the working oven brings in.
How it works — three steps
- Apply online in a few minutes. No phone tag. Just tell us the business and how much you need for the oven. Checking your rate is a soft pull — it does not touch your credit score.
- Send 3 months of bank statements. We approve on your deposits — the money actually flowing through your restaurant — not your FICO. 500+ is fine, and there's no collateral for working capital.
- Get funded and call the tech. Statements in and your signed agreement back before early afternoon ET on a weekday means the money can hit the same day. Finish it Friday afternoon and you're looking at Monday.
$10K to $500K
Enough for a $900 belt motor or a full $40K double-deck replacement — you take what the repair actually costs, not a round number a bank picks.
Funded in as little as 24 hours
Not "approved in 24 hours." Money in the account. A cold oven can't wait a week for underwriting.
Approved on deposits
Steady sales through the register carry the file. FICO 500+ works. Soft pull to see your number.
Restaurants only
We fund pizzerias and restaurants — that's all we do. We know a deck oven is your whole business, not a line item.
A real example
Say your main deck oven's heating element and controller go, and the tech quotes $6,800 to fix it plus a rush charge to get it done overnight. You send three months of statements showing roughly $52,000/month in deposits. You sign before 1 p.m. ET on a Tuesday. The $6,800 funds the same day, the tech is back that afternoon, and you don't miss a single Friday-Saturday rush. You pay it back in small automatic pieces out of the sales that oven is now making again.
Who qualifies:
- Open pizzeria or restaurant with at least a few months of steady deposits
- FICO 500 or higher (we still look at the whole picture)
- 3 recent months of business bank statements
- No collateral required for working capital
Straight answers
Does checking my rate hurt my credit?
No. The rate check is a soft pull — it doesn't ding your score. A hard pull only happens later if you accept and move forward.
My credit is rough. Am I wasting my time?
Probably not. We approve on your bank deposits, not your credit score, and we work with FICO 500 and up. A cracked stone doesn't care about your FICO, and neither does our underwriting first.
Can I really get money the same day?
When it lines up, yes. If your statements are in and your agreement is signed before early afternoon ET on a weekday, funds can hit the same day. Wrap it up Friday afternoon and it's the next business day — Monday. We tell you straight, no fake "instant" promises.
Can I use it to replace the oven, not just repair it?
Yes. Repair a deck, swap a conveyor belt and motor, or buy a whole new oven — it's working capital, so you decide where it goes. Bigger replacement or a second oven for growth can run up to $5M on our growth financing.
Do I need to put up collateral?
No collateral for working capital. Your ongoing sales are what carries it.
Is there a phone call I have to make?
No. The whole thing runs through the online application — apply, upload statements, sign, get funded.
Get the oven hot again
A cold oven costs you every hour it's down. Apply online, check your rate with a soft pull that won't touch your score, and — if you get your statements and signature in before early-afternoon ET on a weekday — have the repair money the same day. Restaurants only. Let's get you baking.
Get Your Restaurant Funded in 24 Hours
Operating restaurants doing $20K+/month qualify for $25K – $1,000,000. Apply in 5 minutes.
Start Your Application →Get funded in 24 hours
Approved on your revenue, not just your credit. Start your 1-minute application.
Why restaurants choose Toast Funding
We are not a generic small-business lender. Toast Funding underwrites restaurants only — and we fund the way you actually operate.
Restaurant-only underwriting
Every concept — full-service, fast-casual, bars, cafés, food trucks, catering, multi-unit. We read restaurant P&Ls, not generic templates.
Funded in 24 hours
Decision in as little as 4 hours, money wired in 24–48. Cover payroll, a broken walk-in, or a second-location window — now.
Approved on your revenue
500+ FICO accepted. We underwrite on your bank deposits and sales, so steady revenue qualifies even after a bank says no.
Ready to get funded?
Built only for restaurants. Approved on your deposits, not just your score. Funded in as little as 24 hours.
- ✓ 500+ credit
- ✓ 6+ months open
- ✓ $25K+/mo revenue
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