Restaurant MCA · 2026

Restaurant Merchant Cash Advance: Fast Cash Based on Your Sales

Turn your card sales into fast capital. A restaurant MCA repays as a small slice of daily sales — so slow days cost you less — funded in as little as 24 hours.

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24hrFunding speed

$2MMax advance

500+Min FICO

5 minTo apply

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

What is a merchant cash advance for restaurants?

A merchant cash advance (MCA) gives a restaurant a lump sum of cash repaid as a small fixed slice of daily card sales — so busy days pay it down faster and slow days cost less. It's the fastest, most credit-flexible option (FICO 500+): Toast Funding advances $5,000 to $2,000,000 in as little as 24 hours, priced on your sales, not your credit score.

How a merchant cash advance works

Apply in 5 minutes

Short online application with a soft credit pull that does not affect your score.

We review your sales

Approval and your offer are based on your recent deposits and card sales.

Get your advance

Receive a lump sum, often within 24 hours of approval.

Repay from sales

A small fixed daily or weekly amount is remitted until the advance is paid.

Factor rates explained

An MCA is priced with a factor rate, not an interest rate. Here is how the cost works.

Term	What it means	Example
Advance amount	The cash you receive up front	$50,000
Factor rate	A multiplier that sets total payback	1.30
Total payback	Advance x factor rate	$65,000
Holdback	% of sales remitted per period	10-15%
Term	How long repayment takes	~4-18 months

Merchant Cash Advance Calculator

See total payback and your estimated daily and weekly payment. Adjust the sliders below.

Advance amount $50,000 Factor rate 1.30 Estimated term 10 months

$65,000Total payback

$295Est. daily payment

$1,477Est. weekly payment

Estimates only, for illustration. Factor rate and term are set at underwriting based on your revenue.

MCA qualification requirements

US-based restaurant or food business
4+ months in business
~$20,000+ in monthly revenue or card sales
Last 3 months of business bank statements
Valid EIN and business bank account
FICO 500+ (approval weighted on sales)

Cost, amounts & speed

Advances through Toast Funding run from $5,000 to $2,000,000, priced with a factor rate (commonly 1.15-1.45) set by your sales and deposit health. Stronger, steadier sales earn a lower factor rate.

Repayment is a small fixed daily or weekly debit, so it flexes with your cash flow. Most advances fund within 24 hours.

Use the calculator above to see your total payback and daily payment before you apply.

Restaurant industries that use MCAs most

Quick-Service Restaurants

High card volume makes for fast approvals and lower factor rates.

Cafes & Coffee Shops

Advance against steady daily sales for equipment or a remodel.

Bars & Nightlife

Capital for inventory and busy-season staffing on your terms.

Full-Service Dining

Cover a renovation or new equipment and repay from covers.

When an MCA makes sense (and when to consider alternatives)

You need cash fast — An MCA can fund same-day or within 24 hours when timing matters.
Your credit is weak — Approval leans on sales, so bank turndowns are common approvals.
Your sales are strong and steady — Consistent card sales earn a lower factor rate and bigger advance.
Consider an alternative if you can wait — With strong credit and time, a term loan or line of credit usually costs less.
Avoid stacking — Taking a second or third advance on top drains cash — consolidate instead.

Frequently asked questions

How does MCA repayment work for a restaurant?

A fixed percentage of your daily card sales is remitted automatically, so payments shrink on slow days and rise when you're busy.

Is an MCA the cheapest option?

Not always — it's the fastest. If you have steadier books, a term loan or line of credit may cost less, and we'll show you both.

How fast can I get an MCA?

Most advances fund within 24 hours of approval; smaller amounts can be same-day. The application takes about 5 minutes with a soft credit pull.

What is a factor rate?

A factor rate (e.g. 1.30) is multiplied by the advance to set total payback — a $50,000 advance at 1.30 repays $65,000. Unlike interest, it does not drop as you pay down.

Can I pay off an MCA early?

Often yes. We can also help refinance or consolidate an existing advance into a lower daily payment.

Will checking my options affect my credit score?

No. Prequalifying uses a soft credit pull that does not affect your score. A hard pull only happens if you accept an offer.

What can I use the funds for?

Any legitimate business purpose — payroll, inventory, materials, equipment, marketing, covering a slow period, or growth. There are no restrictions on how you use the capital.

Are there any upfront or application fees?

No. Applying and getting a decision is free. Any fees are disclosed in your offer before you accept, so there are never surprises.

Sources & further reading

Factor rates, figures, and calculator estimates are illustrative 2026 examples and vary by underwriting; your actual terms are set at application. A merchant cash advance is a commercial financing product, not a loan in all states. Product and company names referenced are the property of their respective owners.

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.