Toast Lending
Product

Purchase of Future Receivables

Get capital today in exchange for a small, agreed share of your future sales — with payments that flex as revenue moves. It’s not a traditional loan. Check your options with a soft credit pull, get a same-day approval, and receive funds within 24–48 hours of acceptance.

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How a purchase of future receivables works

Instead of borrowing a fixed sum and repaying on a set schedule, you sell a portion of your future receivables for an upfront amount. Repayment happens automatically as a small percentage of your ongoing sales — so when business slows, your payment eases, and when sales pick up, you pay down faster.

Because it’s tied to your actual revenue rather than a rigid installment, it’s a natural fit for businesses with steady card or bank-deposit sales and for owners who want funding that moves with their cash flow.

Common uses

  • Stocking inventory ahead of a seasonal rush
  • Funding a short, high-growth marketing sprint
  • Bridging a known slow stretch without a fixed bill
  • Jumping on a time-sensitive opportunity

Why operators like it

  • Soft credit pull to check options — no score impact
  • Payments rise and fall with your sales
  • Fast access to capital, often within 24–48 hours
  • Built for seasonality and quick turnarounds

From application to funds

1

Apply

Book a quick call. Soft pull only.

2

Get approved

Same-day decisions are common.

3

Accept

Review clear terms, then sign.

4

Get funded

Funds in 24–48 hours.

Apply Now

Important disclosures. Toast Lending is a financial technology company and is not a bank. Loans, lines of credit, and other financing are offered and originated by Toast Lending and/or its lending partners, subject to credit approval, verification, and applicable law. Products, amounts, rates, fees, and terms are not guaranteed and vary based on creditworthiness, time in business, revenue, and other underwriting criteria. Financing may not be available in all states or for all industries.

Soft pull only to check eligibility. Checking your eligibility or getting a quote uses a soft credit inquiry, which does not affect your credit score. A hard credit inquiry, which may affect your score, occurs only if you choose to move forward with a full application and accept an offer. Same-day approval describes a common outcome for qualified applicants and is not guaranteed. Funding within 24–48 hours reflects typical timelines after final underwriting, verification, and signed acceptance; actual times may vary.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. All other trademarks are the property of their respective owners. This page is for informational purposes only and does not constitute an offer or commitment to lend. See our Terms & Conditions and Privacy Policy for details.