Move forward with flexible financing — built for operators.
Check your options in minutes with no hard credit pull. Get a same-day approval and, once accepted, funding within 24–48 hours — to cover payroll, inventory, or growth on your schedule.
Soft credit pull only
Checking your options uses a soft inquiry that does not affect your credit score.
Same-day approvals
Most qualified applicants get an approval decision the same business day.
Funding in 24–48 hours
After you accept your offer, funds typically arrive within one to two business days.
Funding options that work the way you do
Three flexible products, one fast process. Compare them all on the products page.
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.
Purchase of Future Receivables
Capital today for a small share of future sales. Payments flex with revenue — great for seasonal and high-growth businesses.
Why choose Toast Lending?
No hard credit pull
Check eligibility with a soft inquiry that does not impact 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?
Soft pull to check eligibility • same-day approvals • funding in 24–48 hours.