✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Soft credit pull✓ Apply in 1 minute

Toast Capital vs Alternative Cost Comparison

Compare the real cost of Toast Capital vs an alternative. Enter what Toast offered you — see what an alternative would cost over the same period.

$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
Restaurantsany POS
No collateralfor working capital

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

Toast Capital — total cost
$132,000
Daily held back: $360 · Payoff: 367 days
Alternative — total cost
$125,000
Fixed weekly payment: $2,404
You save with alternative
$7,000
Apply Now →

No credit impact · Soft pull only · Real offer in 5 minutes

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Common Questions

How accurate are these estimates?
The factor rate and holdback ranges in this calculator reflect typical industry ranges for restaurant-focused MCAs. Actual Toast Capital terms — and any alternative — vary by operator, sales volume, time on platform, and credit profile. Use this as a rough comparison framework, not a quote.
How does the funding amount compare?
Toast Capital amounts vary by operator. For larger amounts (typically above the mid-six-figure range), or for operators who want to keep funding independent of their POS, an alternative lender is generally the path. Confirm any specific Toast Capital offer with Toast directly.
Can I keep using Toast POS if I take an alternative?
Yes. Our funding is POS-agnostic — keep Toast, switch to Square, run multiple POS systems, whatever fits.

Get funded in 24 hours

Approved on your revenue, not just your credit. Start your 1-minute application.

Apply Now →

Why restaurants choose Toast Funding

Independent and POS-agnostic — a faster, higher-limit alternative to processor-tied offers. We are not Toast, Inc.

🍽️

Any POS, no lock-in

Toast, Square, Clover, Aloha, TouchBistro — keep or switch processors without losing your funding.

⚡

Funded in 24 hours

Decision in as little as 4 hours, money wired in 24–48. Same-day for clean files.

📊

Higher limits, approved on revenue

Up to $5M vs a processor cap. 500+ FICO accepted, underwritten on your deposits and sales.

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

START MY 1-MINUTE APPLICATION →
Apply Now — Funded in 24 Hours →
Before you go

See how much your restaurant qualifies for

$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