How much restaurant funding can I get?

$25,000 to $5,000,000, sized to your bank deposits and sales — on top of an existing Toast Capital advance or on any POS.

Do I have to use Toast POS to get funded?

No. Toast Funding is independent and funds restaurants on Toast, Square, Clover, or any processor, approved on bank deposits, not the POS provider.

Can I get funding if I already have a Toast Capital advance?

Yes. Toast Funding provides additional capital on top of an existing processor advance, or buys it out and refinances into one payment.

How fast is funding and what credit is required?

Decisions in as little as 4 hours and funding in 24 hours, with 500+ FICO and 3 months of bank statements.

Restaurant Line of Credit in Iowa — $25K–$5M, Same-Day

Iowa restaurants running Toast, Square, Clover or any card processor can access $25,000 to $5,000,000 in restaurant line of credit — underwritten on your card batches and daily settlement rather than credit alone (FICO 500+), with a fast approval. Restaurant Line of Credit gives you revolving credit to draw as needed — pay only for what you use. You don't need an existing loan or advance to qualify — this is straight first-position capital for Iowa restaurants.

Get funded in Iowa — see your amount

Two-to-four-hour decisions. Same-day funding. No obligation. Apply Online →

Why Iowa restaurants choose us

Your batches are the application. A 500+ FICO in Iowa clears when the card settlement is steady.
No processor switch required. First-position funding that sits alongside the POS you already run.
$25K to $5M. A new line of terminals, or the capital to open a second Iowa location.
Settlement-speed decisions. Most Iowa approvals come in 2 to 4 hours and fund the same day — roughly one batch cycle.

What Iowa operators put restaurant line of credit toward

Card volume in Iowa is the clearest read on a restaurant there is — it shows covers, average ticket and the swing between a Tuesday and a Saturday. Operators put the capital into:

Cover recurring food and labor costs
Keep a buffer for slow weeks
Handle payroll swings
Jump on bulk-inventory deals

How it works in Iowa

Apply online in minutes, connect 3 months of business bank statements, and get a decision in 2 to 4 hours. Once approved, Iowa restaurants are funded the same day. Requirements: FICO 500+, 6+ months in business, and $10,000+ in monthly revenue.

Common questions

How fast can a Iowa business get funded? Most approvals come in 2 to 4 hours, with same-day funding once you're approved.

Do I need an existing loan or advance? No. This is first position, and a Iowa operator with no open advances and clean batches gets the strongest terms.

What credit score do I need? 500+ FICO is accepted. Underwriting reads your card settlement and deposit history, not the score on its own.

Get restaurant line of credit in Iowa today

Funding that moves at the speed of your Iowa batches — approved on sales, funded the same day. Apply Now ⚡