Prime Restaurant Capitalvs Toast Capital

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 October 2026.

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Criteria
Prime Restaurant Capital
Toast Capital
Funding range / Maximum
Prime Restaurant CapitalUp to $5,000,000
Toast Capital$1,000 to $300,000
Minimum monthly revenue
Prime Restaurant Capital$20,000/mo
Toast CapitalToast POS account required (revenue threshold varies)
Minimum credit score
Prime Restaurant CapitalFICO 500+
Toast CapitalNo credit score requirement; applying does not affect credit
Minimum time in business
Prime Restaurant Capital6 months
Toast CapitalBased on card volume and time on Toast (no fixed minimum published)
Speed to funding
Prime Restaurant CapitalAs little as 24 hours
Toast CapitalAs soon as the next business day after signing
Documentation required
Prime Restaurant Capital3 months bank statements
Toast CapitalToast POS data — no separate documents needed
Collateral & guarantee
Prime Restaurant CapitalNot required
Toast CapitalNo personal guarantee; repaid as a fixed percentage of daily card sales
Products offered
Prime Restaurant CapitalWorking Capital, LOC, Equipment, Term Loans, Revenue-Based, SBA
Toast CapitalToast Capital Loan (only)

Why operators choose Prime Restaurant Capital

  • Up to $5,000,000, compared with Toast Capital's $300,000 maximum
  • No Toast POS account required: works with any POS system
  • No collateral required on most products
  • No tax returns or business plan needed — just 3 months of bank statements
  • Six funding products available — find the right structure for your need
  • Restaurants, bars, food trucks, catering — restaurant specialty

What Toast Capital brings to the table

Toast Capital is the lending arm of Toast POS, offering fixed-fee loans of $1,000 to $300,000 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

Ready to See What You Qualify For?

5-minute application. Soft credit pull (no impact). Decisions in hours, funding in as little as 24 hours.

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Comparison facts about Toast Capital are sourced from https://pos.toasttab.com/products/capital and other publicly available materials as of October 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.

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