Toast Lending
Move forward with flexible financing — built for operators.
Apply in minutes with no hard credit pull. If approved, draw funds to cover payroll,
inventory, or growth — on your schedule.
Funding options that work the way you do
Business Line of Credit
Draw what you need, when you need it. Limits typically from $10k–$200k with flexible 6–24 month terms.
Term Loan
One-time lump sum for bigger projects. Amounts commonly $25k–$250k with clear, predictable payments.
Revenue-Based Funding
Payments flex with sales. Useful for seasonal businesses and short-term growth sprints.
Why choose Toast Lending?
No hard credit pull
Check eligibility without impacting your personal credit score.
Fast decisions
Same-day approvals are common. Funding as fast as 24–48 hours for qualified applicants.
Build business credit
On-time payments can help establish and strengthen your business credit history.
Minimum requirements
Additional underwriting criteria may apply. Some industries may be restricted.
Ready to see your options?
Frequently asked questions
Will checking my options affect my credit score?
No hard credit pull for the initial eligibility check. A soft inquiry won’t impact your score.
How fast can I get funded?
Many approved businesses receive funds within 24–48 hours after final underwriting and acceptance.
What documents will I need?
Typically a government-issued ID, business bank statements, and basic financial info. Additional items may be requested.
Are there prepayment penalties?
Terms vary by product. We’ll disclose fees and any early payoff details upfront before you sign.