Side-by-side comparison of funding range, qualification requirements, speed, and documentation. All competitor facts cited from Toast Capital's publicly stated requirements as of May 2026.
| Criteria | Toast Funding | Toast Capital |
|---|---|---|
| Funding range / Maximum | Up to $5,000,000 | Up to $500,000 (varies based on Toast volume) |
| Minimum monthly revenue | $10,000/mo | Toast POS account required (revenue threshold varies) |
| Minimum credit score | FICO 500+ | Soft credit pull (specific minimum not publicly stated) |
| Minimum time in business | 6 months | 6+ months on Toast POS |
| Speed to funding | 24 hours | Approval in days, funding 1-3 days after approval |
| Documentation required | 3 months bank statements | Toast POS data — no separate documents needed |
| Collateral required | Not required | Repayment via percentage of daily Toast credit card sales |
| Products offered | Working Capital, LOC, Equipment, Term Loans, Revenue-Based, SBA | Toast Capital advance (only) |
Toast Capital is the lending arm of Toast POS, offering working capital advances exclusively to restaurants using Toast POS systems.
Important constraint: Restaurant must already be a Toast POS customer to qualify.
Source: https://pos.toasttab.com/products/capital
5-minute application. Soft credit pull (no impact). Decision in hours, funded in 4.
Apply Now →Comparison facts about Toast Capital are sourced from https://pos.toasttab.com/products/capital and other publicly available materials as of May 2026. Information may have changed since publication. Toast Capital is a registered trademark of its respective owner; this page is an independent comparison and is not affiliated with or endorsed by Toast Capital. Loan terms, rates, and approval criteria for Toast Funding vary by application and underwriting; see /apply/ for live qualification.