The split in plain language
With Toast Capital, a daily holdback percentage of the card sales processed through Toast goes to repaying the loan. That includes tips, taxes and service charges, according to Toast. Busy days repay more and slow days repay less. Toast loans also have a target term (90, 270 or 360 days) and a maximum term 60 days after that. Longer terms can have 30-day minimum-payment milestones collected by ACH if you fall short.
What lands in your account
Owners usually look at gross sales. Funders look at deposits. The split, processing fees and any other debits all come out before you can use the money. Here is the math on a made-up example:
| Illustration only | Per month |
|---|---|
| Card sales processed through the POS | $100,000 |
| Existing daily holdback (10% of card sales) | −$10,000 |
| Card processing fees (about 3%) | −$3,000 |
| Card money that reaches your bank | $87,000 |
| Cash, delivery-app and catering deposits | +$18,000 |
| Total deposits you actually work with | $105,000 |
| Proposed new weekly payment ($2,000 × 4.33) | −$8,660 |
| Combined funding payments as a share of deposits | 18,660 / 105,000 = 17.8% |
Made-up numbers to show the math, not an offer or a rate. Run it with your own statements: once total funding payments start eating most of a normal month's margin, a second payment usually makes things worse, not better.
Can you add funding on top of a split?
Sometimes, but not by default. A reviewer needs to see:
- Your Toast agreement, because Toast may hold a UCC lien protecting its priority on card receivables
- The current holdback rate and remaining balance
- Every other obligation (rent, equipment, other advances)
- 3 months of bank statements showing real deposits and negative days
Repaying a new advance by ACH from your bank does not remove a conflict with an existing lien on card receivables. If the numbers do not work, consider one consolidated payment or a smaller request.
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 funding against your current split →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 a credit card split?
It is a repayment method where a fixed percentage of daily card sales goes to the funder before the rest reaches your bank. Toast Capital uses a daily holdback on card sales processed through Toast.
Does a split include tips and taxes?
For Toast Capital, Toast says the holdback applies to daily card sales including tips, taxes and service charges.
Is it safe to take a second advance while a split is running?
Only after reviewing the existing agreement and the combined payment burden. Some agreements restrict new advances against the same card receivables.
Related guides
Toast Capital facts on this page come from Toast's own pages, checked October 15, 2026: Toast Capital FAQ; Toast Capital multiple loans 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.