SBA loans combine the best of traditional bank financing — long repayment terms, competitive rates — with broader qualification flexibility. For established Toast POS restaurant operators, SBA loans often deliver the lowest total cost of any commercial financing option.
SBA 7(a) Loans
Versatile loan program for restaurant working capital, equipment, real estate, acquisition, refinancing. Up to $5 million.
SBA 504 Loans
Specifically funds fixed assets — primarily real estate purchases for restaurant operators planning to buy their building.
SBA vs Toast CapitalToast Capital is fast, revenue-based, but capped. SBA loans take 60-120 days but offer the lowest cost and largest amounts. Use Toast Capital for speed; use SBA for substantial capital with the best terms.
Qualifications
- 24+ months operating restaurant on Toast POS
- Personal credit 680+ minimum
- 2-3 years tax returns
- Financial statements
- Personal guarantee from 20%+ owners
