Toast Lending
Product

Business Line of Credit

Flexible, revolving access to capital you can draw whenever you need it — and only pay for what you use. Check your limit with a soft credit pull, get a same-day approval, and access funds within 24–48 hours of acceptance.

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How a line of credit works

A line of credit gives you a set borrowing limit you can tap into as needed. Draw funds for a slow month, a bulk inventory order, or an unexpected expense — then repay and reuse the available credit. Interest applies only to the amount you actually draw, not your full limit.

Common uses

  • Smoothing seasonal or uneven cash flow
  • Covering payroll between receivables
  • Buying inventory ahead of busy periods
  • Handling surprise repairs or opportunities

Why operators like it

  • Soft credit pull to check your limit — no score impact
  • Reusable: repay and draw again without reapplying
  • Pay interest only on what you use

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

Draw funds

Access 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.