Why a Toast Restaurant Might Look Outside Toast Capital
Toast Capital caps most loans around $300K and uses POS-percentage holdback for repayment. For larger restaurants or operators wanting payment-structure flexibility, those constraints matter.
We fund Toast restaurants based on the same revenue signals (your POS volume, your bank deposits, your average ticket) but offer: - Higher amounts ($25K-$5M) - Choice of repayment structure (fixed daily/weekly/monthly OR revenue-share) - 4-24 hour funding speed - POS-agnostic design (works if you also run other systems)
What Toast Restaurants Use Capital For
- Second location build-outs ($250K-$1M)
- Kitchen equipment upgrades ($50K-$300K)
- Pre-season payroll buildup
- Marketing campaigns for grand openings or rebrand
- Inventory pre-buy for peak season
- Acquisition of competitor concepts
How Toast Data Helps Underwriting
Toast restaurants typically have cleaner revenue data than non-POS restaurants because everything flows through one system. Our underwriting can reference your POS reports as supporting evidence alongside bank statements, which can speed decisions and increase approved amounts.
This does not mean we lock into Toast — your POS choice is independent of our funding.
Application Process for Toast Restaurants
- 5-min application with restaurant + Toast details
- Upload 3 months bank statements (Toast revenue reports help but not required)
- Soft credit pull only
- Same-day decision
- Funded in 4-24 hours via ACH
- Repayment via your choice of structure