Why the number can be low
- Card volume only. Toast says eligible loan size depends in part on actual and projected card payments processed through your Toast POS.
- Per-location limits. Toast Capital Loans run $1K to $300K per location, depending on eligibility. Newer accounts may see introductory offers of $5K to $100K.
- Open balances. An outstanding Toast loan or a high current holdback lowers what is available.
Measure the gap honestly
| Illustration only | Amount |
|---|---|
| What the project actually costs | $140,000 |
| Toast Capital pre-qualified offer | $60,000 |
| Gap | $80,000 |
| Cash you could put in yourself | −$20,000 |
| Gap to fund | $60,000 |
Made-up numbers. Two separate funding payments are harder to carry than one. Compare (a) the Toast offer plus a second payment with (b) one larger facility that covers the whole need.
Total revenue vs. processing volume
Outside funders size offers on bank deposits from every channel, minus internal transfers, so the figure can be higher than a card-only view. See funding based on more than Toast card sales for how deposits are reconciled. ToastFunding covers $25,000 to $5,000,000 for restaurants. That range is a guideline, not an approval. Amounts depend on your statements.
Get an independent review
$25,000 to $5,000,000 for restaurants on any POS. Credit from 500 considered. Soft credit pull to start. Approved restaurants funded in as little as 4 hours.
Review your funding gap →ToastFunding is an independent restaurant funding company. It is not affiliated with, endorsed by or sponsored by Toast, Inc. Toast Capital Loans are issued by WebBank.
Questions owners ask
What is the maximum Toast Capital Loan?
Toast says Toast Capital Loans are available between $1K and $300K per location, based on eligibility.
Can I take the Toast offer and outside funding together?
Possibly, but check your Toast agreement first. Toast says a merchant cash advance with a security interest in card receivables conflicts with a Toast Capital Loan. Also check that the two payments together leave enough daily cash.
Will an outside funder offer more than Toast?
Sometimes. Outside offers are sized on total deposits, time in business, credit and existing obligations. They also cost differently, so compare total payback, not just the amount.
Related guides
Toast Capital facts on this page come from Toast's own pages, checked October 15, 2026: Toast Capital: Loan Eligibility; Toast Capital FAQ. Toast's terms can change. Your Toast Capital dashboard and agreement are the final word on your Toast loan. ToastFunding is an independent restaurant funding company. It is not affiliated with, endorsed by or sponsored by Toast, Inc. Toast Capital Loans are issued by WebBank.