Flexible capital to cover payroll, inventory, repairs, and slow seasons — approved on your revenue and funded fast, so day-to-day operations never stall.
Get Funded →$25K to $5M on any POS — approved on your revenue, funded in as little as 24 hours. Higher limits than processor-tied lenders.
Start your application in about a minute. A real decision fast — soft credit pull, no obligation.
START MY APPLICATION →🔒 Soft credit pull · will not affect your credit score
Short application with a soft credit pull that does not affect your score.
We look at deposits and card volume, not just credit.
Amount and terms shown up front, priced on your real sales.
Funds hit your account, typically in 1-3 business days.
Typical 2026 ranges for restaurants through Toast Funding.
| Detail | Typical range | Notes |
|---|---|---|
| Amount | $25K – $2M | Based on monthly revenue |
| Term | 3 – 18 months | Matched to your cash flow |
| Credit | FICO 500+ | Revenue-driven approval |
| Speed | 1-3 days | After statements are in |
Estimate your monthly payment. Adjust the amount and term below.
Estimates only, for illustration, using a sample rate. Real rates and terms are set at underwriting.
Working capital runs from $25,000 to $2,000,000 over 3 to 18 months, priced on your deposits and card volume. Payments can flex with your weekly sales.
Most restaurants fund in 1-3 business days.
Use the calculator above to estimate your payment.
Fund labor and food cost through demand swings.
Smooth payroll and inventory across the week.
Stock up and staff busy seasons.
Cover seasonal dips and inventory.
Apply in 5 minutes with a soft credit pull. Keep operations running through any season.
Get Funded →Figures and calculator estimates are typical 2026 industry examples for general information and vary by underwriting; your actual terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.
Approved on your revenue, not just your credit. Start your 1-minute application.
Independent and POS-agnostic — a faster, higher-limit alternative to processor-tied offers. We are not Toast, Inc.
Toast, Square, Clover, Aloha, TouchBistro — keep or switch processors without losing your funding.
Decision in as little as 4 hours, money wired in 24–48. Same-day for clean files.
Up to $5M vs a processor cap. 500+ FICO accepted, underwritten on your deposits and sales.
Approved on your deposits, not just your score. Funded in as little as 24 hours.
$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