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 Working Capital in Michigan — $25K–$5M, Same-Day

Michigan restaurants running Toast, Square, Clover or any card processor can access $25,000 to $5,000,000 in restaurant working capital — underwritten on your card batches and daily settlement rather than credit alone (FICO 500+), with a decision in 2 to 4 hours and same-day funding. Restaurant Working Capital gives you flexible operating cash for day-to-day service. You don't need an existing loan or advance to qualify — this is straight first-position capital for Michigan restaurants.

Get funded in Michigan — see your amount

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

Why Michigan restaurants choose us

Your batches are the application. A 500+ FICO in Michigan 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 Michigan location.
Settlement-speed decisions. Most Michigan approvals come in 2 to 4 hours and fund the same day — roughly one batch cycle.

What Michigan operators put restaurant working capital toward

Card volume in Michigan 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:

Payroll
Food and inventory
Rent and overhead
Seasonal cash-flow gaps
Marketing

How it works in Michigan

Apply online in minutes, connect 3 months of business bank statements, and get a decision in 2 to 4 hours. Once approved, Michigan 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 Michigan 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 Michigan 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 working capital in Michigan today

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