上次更新时间：2026年3月24日 11:17
Eligibility is evaluated regularly and can change over time. Some of the factors considered include:
If your business is pre-qualified for a Toast Capital Loan, your pre-qualified offer will appear automatically in your . If you don't see an offer in your dashboard, you aren't pre-qualified for a Toast Capital Loan at this time. But don't worry! Eligibility is evaluated regularly. Check back soon to see if your business has become pre-qualified!
If your business has an offer for a Toast Capital Loan, you may be wondering what the terms mean in your , as well as some terms you might come across in a Toast Capital Loan Agreement.
Fixed Fee: The fixed fee is the cost of your loan. It is expressed as a dollar amount (i.e. a $1,000 fixed fee on a $10,000 loan). There are no interest rates or interest-based payments for a Toast Capital Loan. Factors that contribute to your fixed fee include your business' revenue history and seasonality, among others.
Total repayment amount: The amount of capital available to you is based in part off of a percentage of your business' historical and projected card transactions that you process through Toast, and other information about your business. Toast Capital Loans are available between $1K - $300K per location, based on eligibility. The total repayment amount is the loan amount plus the fixed fee.
Daily holdback percentage: The percentage of daily card transactions processed through your Toast POS that will be held back and applied toward repayment of your loan. Daily holdback percentage is determined based on your business' projected sales and total loan amount (including the fixed fee).
Target repayment: The target repayment for Toast Capital Loans is either 90, 270, or 360 days, based on eligibility. Whether your business has an offer with a target repayment of 90, 270, or 360 days is determined primarily by the actual and projected amount of card payments you process through your Toast POS. The maximum repayment term is 60 days following the end of the target repayment term. Any outstanding balance due at the end of the maximum term will be collected automatically via ACH.
Refinance: Refinancing an existing Toast Capital Loan involves taking out a new Toast Capital Loan and using part of those new proceeds to pay down the full balance of an existing Toast Capital Loan. Remaining proceeds will be disbursed to the borrower’s bank account to be used for their business’ needs. To learn more about refinancing, see our here.
ACH (Automated Clearinghouse): An ACH is an electronic clearing and settlement system that connects financial institutions (i.e. banks) to facilitate transactions, such as depositing or withdrawing funds between bank accounts. Toast Capital uses an “ACH credit” to deposit funds into a borrower’s bank account after approval; if a borrower has an outstanding balance at the end of their maximum term, Toast Capital will use an “ACH debit” to withdraw the amount of the outstanding balance from the borrower’s bank account.
Your history of operations is evaluated holistically to determine if you qualify for a Toast Capital Loan.
This evaluation reviews many factors to come to a credit decision, for example:
If you'd like to know the specific reasons why your funding request was denied, please reach out to or call 617-209-3198. We appreciate your application!
Toast Capital Loans are issued by WebBank. Loans are subject to credit approval and may not be available to borrowers in certain jurisdictions. WebBank reserves the right to change or discontinue this program without notice.