ProductsCapital

Fast, easy, and flexible funding from a partner who gets it

Crunched for cash or ready to expand? Access loans ranging from $1,000 to $300,000 with ToastCap.

Not a ToastCap Customer?

A financial partner like no other

We've been building alongside business owners for over a decade. Which means industry-specific nuances like seasonality don't scare us one bit. What else sets us apart?

Industry expertise

No credit score requirements: We evaluate your business holistically and take industry-specific challenges like seasonality, into account.
Just one simple fixed fee: No compounding interest, no personal guarantee, no giving up equity, no application fee or late fees.
We expect the unexpected: Our industry can be unpredictable, which is why repayments flex with your cash flow.

Fast and flexible loans

Apply in minutes: Applying for a ToastCap Loan takes just a few minutes. Plus there's no credit score impact, no credit score requirements, and no mountain of documents to dig up.
Next-day funding: Once approved, you could receive funding as soon as the next business day after signing your loan agreement.
Send loan funds to your bank account so you can quickly cover payroll, inventory, or renovations.

Easy repayment

Automated repayment: Payments are made as a fixed percentage of your daily card transactions, so you don't have to worry about keeping up with another bill.
Flexible payments: On the days when your sales are higher, you will pay more than on days when your sales are lower.
Prepay at no additional cost: There are no fees for early repayment.

Automated daily repayment

In our industry, unpredictability is, well, predictable. That's why ToastCap Loan repayment flexes with your cash flow. On days when your sales are higher, you'll pay more than on days your sales are lower.

Trusted by business owners like you

Being able to automatically repay daily as a fixed percentage of daily card transactions is beautiful. Not having to stress about making monthly payments is a relief.

Testimonial reflects the experience of the merchant and has been edited for clarity. Results may vary.

Don King

Owner | Fat City Brew & BBQ

Frequently Asked Questions

ToastCap Loan eligibility and the target terms your business is eligible for are based on a variety of factors. Some of these factors include your business's card processing volume, time in business, and status of any bankruptcy filings. You can apply to see if you have a pre-qualified offer.

Already a business owner? Visit your personalized ToastCap dashboard to see if you're pre-qualified for a loan today.

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Get started today

Talk to a funding expert today and learn how ToastCap can help your business.

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