✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Soft credit pull✓ Apply in 1 minute

Restaurant Bridge Loan (2026): Short-Term Capital Between Now & Payoff

$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
Restaurantsany POS
No collateralfor working capital

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

Frequently asked questions

What is a restaurant bridge loan?
It's short-term capital that bridges a temporary gap — like a renovation, slow season, or delayed payout — and is repaid once revenue or the expected money comes in.
How is it different from a regular working capital loan?
A bridge is meant to be short-term and tied to a specific gap you can see the end of, whereas working capital is more open-ended. Both are available and the right one depends on your situation.
Can I get one with bad credit?
Yes — FICO 500+ can qualify because approval is weighted toward monthly revenue and deposit consistency.
How fast can I get bridge funding?
Most restaurants fund within 24 hours of approval. The application takes about 5 minutes with a soft credit pull.
How much can I bridge?
Amounts scale with revenue, from $25,000 up to $5,000,000 for high-volume restaurants.

Bridge your restaurant's gap

Apply in 5 minutes with a soft credit pull. Cover the gap now, repay as revenue returns.

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Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.

Get funded in 24 hours

Approved on your revenue, not just your credit. Start your 1-minute application.

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Why restaurants choose Toast Funding

Independent and POS-agnostic — a faster, higher-limit alternative to processor-tied offers. We are not Toast, Inc.

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Any POS, no lock-in

Toast, Square, Clover, Aloha, TouchBistro — keep or switch processors without losing your funding.

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Funded in 24 hours

Decision in as little as 4 hours, money wired in 24–48. Same-day for clean files.

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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.

START MY 1-MINUTE APPLICATION →
Apply Now — Funded in 24 Hours →
Before you go

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