Side-by-side comparison of funding range, qualification requirements, speed, and documentation. All competitor facts cited from Toast Capital's publicly stated requirements as of May 2026.
| Criteria | Prime Restaurant Capital | Toast Capital |
|---|---|---|
| Funding range / Maximum | Up to $5,000,000 | Up to $500,000 (varies based on Toast volume) |
| Minimum monthly revenue | $15,000/mo | Toast POS account required (revenue threshold varies) |
| Minimum credit score | FICO 500+ | Soft credit pull (specific minimum not publicly stated) |
| Minimum time in business | 6 months | 6+ months on Toast POS |
| Speed to funding | 24 hours | Approval in days, funding 1-3 days after approval |
| Documentation required | 3 months bank statements | Toast POS data — no separate documents needed |
| Collateral required | Not required | Repayment via percentage of daily Toast credit card sales |
| Products offered | Working Capital, LOC, Equipment, Term Loans, Revenue-Based, SBA | Toast Capital advance (only) |
Toast Capital is the lending arm of Toast POS, offering working capital advances exclusively to restaurants using Toast POS systems.
Important constraint: Restaurant must already be a Toast POS customer to qualify.
Source: https://pos.toasttab.com/products/capital
5-minute application. Soft credit pull (no impact). Decision in hours, funded in 4.
Apply Now →Comparison facts about Toast Capital are sourced from https://pos.toasttab.com/products/capital and other publicly available materials as of May 2026. Information may have changed since publication. Toast Capital is a registered trademark of its respective owner; this page is an independent comparison and is not affiliated with or endorsed by Toast Capital. Loan terms, rates, and approval criteria for Prime Restaurant Capital vary by application and underwriting; see /apply/ for live qualification.