Toast Lending
Why Toast Lending

Funding built for operators — fast, fair, and transparent.

We help small-business owners get capital without the runaround. Check your options with a soft credit pull, get a same-day approval, and receive funding within 24–48 hours of acceptance. No hidden surprises — just clear terms and straight answers.

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Soft pull
to check your options — no score impact
Same day
approval decisions for most applicants
24–48 hrs
typical time to funding once accepted

What sets us apart

Soft pull to check options

See what you qualify for with a soft inquiry that does not affect your personal credit score. A hard pull only happens if you choose to move forward.

Same-day decisions

We move at the speed of business. Most qualified applicants receive an approval decision the same business day.

Funding in 24–48 hours

Once you accept your offer, funds typically arrive within one to two business days.

No obligation to accept

Reviewing your options is pressure-free. You only move forward if the terms make sense for your business.

Clear, upfront terms

We disclose fees and any early-payoff details before you sign — no fine-print surprises.

Build business credit

On-time payments can help establish and strengthen your business credit history over time.

Who we work with

We fund established small businesses across a wide range of industries. If you have at least a year in business and steady revenue, there’s a good chance we can help.

Retail & e-commerce

Stock inventory ahead of busy seasons and keep shelves — physical or digital — full.

Restaurants & hospitality

Cover payroll, equipment, and slow stretches with funding that flexes with your sales.

Services & trades

Bridge the gap between invoices, take on bigger jobs, and add equipment or crew.

Healthcare practices

Invest in equipment, build-outs, and staffing with predictable, planned financing.

Construction & contractors

Fund materials and labor between draws and keep projects moving on schedule.

Auto, beauty & more

From salons to repair shops, we work with main-street operators of all kinds.

Some industries may be restricted, and additional underwriting criteria may apply.

How it works

1

Check eligibility

Soft credit pull only — no score impact.

2

Same-day approval

Most qualified applicants hear back same day.

3

Review terms

Clear, upfront pricing before you sign.

4

Get funded

Funds typically arrive in 24–48 hours.

Our promise: straight answers, fast

We built Toast Lending because small-business owners deserve a funding partner that respects their time. That means no guessing games, no surprise fees, and a process that gets you a decision quickly.

  • Checking your options never touches your credit score
  • We explain your terms in plain language
  • You’re never obligated to accept an offer
  • Questions get answered by people who know small business

See what you qualify for

It only takes a few minutes — and it won’t affect your credit score.

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.