How we picked
Filtered to lenders that fund the pizzeria/pizza shop vertical. POS-embedded options (Toast, Square, Clover) ranked first because most independent pizzerias already run one — pre-qualified offers in the dashboard skip the application entirely. SBA prioritized for full build-out and acquisition. Generalist MCA included for fast working capital when POS-embedded isn't available or maxed out.
Top picks at a glance
| Lender | Best for | Amount | Speed | Min credit | Action |
|---|---|---|---|---|---|
| Toast Capital | Best for Toast-using pizza shops | $5,000 – $300,000 | Funds in 1 – 3 business days after approval | No published floor — Toast underwrites against POS history, not FICO | Apply → |
| Square Capital | Best for Square-using pizza shops | $300 – $250,000 | Funds as soon as next business day | No FICO pull — Square underwrites entirely against your Square sales history | Apply → |
| Clover Capital (Fiserv) | Best for Clover-using pizza shops | $500 – $1,000,000 | Funding in 1 – 3 business days | No FICO check — uses Clover sales history | Apply → |
| Credibly | Best fast non-POS-embedded working capital | $5K – $600K | As fast as 4 hours | 550+ | Apply → |
| Greenbox Capital | Best for credit-recovering pizzeria operators (500+) | $5K – $250K (MCA); other products vary | 24 – 48 hours | Flexible — accepts down to 500 on some programs | Apply → |
| Live Oak Bank | Best SBA 7(a) for pizza shop build-out / acquisition / 2nd location | $25,000 – $25,000,000+ | 30 – 90 days underwriting (SBA standard) | 680+ typical | Apply → |
Advertiser disclosure: Fundnode may earn referral fees from funders listed on this page when you apply through us. This does not affect editorial rankings — see our methodology.
Detailed reviews — our 6 picks
#1 · Best for Toast-using pizza shops
Toast Capital
Max amount
$300,000
Cost
Factor 1.13 – 1.36 (single fee, no compounding)
Speed
Funds in 1 – 3 business days after approval
Min credit
No published floor — Toast underwrites against POS history, not FICO
Why we picked it
Toast is the dominant POS in pizza shops with online ordering and delivery integration. Toast Capital offers pre-qualified loans inside the Toast dashboard — no external application. Single fee, no FICO check, repayment as a percentage of daily Toast card sales. The cleanest first option if you're on Toast.
The strength
Embedded in the Toast POS dashboard — eligible restaurants see a pre-qualified offer with no application. Repayment is auto-deducted as a fixed percentage of daily Toast deposits, so cash flow stays proportional to revenue. Single fee disclosed up front; no daily compounding factor games.
The watch-out
Only available to Toast POS customers — you have to be running their hardware/processing already. Loan amounts cap at roughly 70% of trailing 12-month Toast volume. If you switch processors, the agreement requires you to pay off the remaining balance immediately.
Qualifications
6 months
Toast POS volume drives offers — typically $10,000+/mo processed
No published floor — Toast underwrites against POS history, not FICO
#2 · Best for Square-using pizza shops
Square Capital
Max amount
$250,000
Cost
Single fixed fee (typically 10 – 16% of loan amount)
Speed
Funds as soon as next business day
Min credit
No FICO pull — Square underwrites entirely against your Square sales history
Why we picked it
Square is common in smaller and counter-service pizza shops. Pre-qualified offers in the Square dashboard. No FICO check. Single fee 5-14% priced off your Square processing volume. Fast deposit. Best if you're already running Square Register or Square for Restaurants.
The strength
Most merchant-friendly headline structure in the industry: one fixed fee, no APR equivalents, no daily/weekly debits — repayment is a flat percentage of daily Square card sales until paid off. Eligibility check appears in your Square dashboard with no application. Approval typically arrives in minutes.
The watch-out
Square chooses who they offer to — you can't apply if Square doesn't surface an offer. Loan amount usually caps at ~1.4× monthly Square sales. The single fixed fee on a 9-month payback typically works out to 30–60% APR-equivalent, similar to mid-tier MCA. Only available to active Square sellers — if you stop processing, repayment converts to fixed daily debits.
Qualifications
12 months
$10,000+ in Square card sales typical floor for meaningful offers
No FICO pull — Square underwrites entirely against your Square sales history
#3 · Best for Clover-using pizza shops
Clover Capital (Fiserv)
Max amount
$1,000,000
Cost
Single fixed fee disclosed at offer (10 – 16%)
Speed
Funding in 1 – 3 business days
Min credit
No FICO check — uses Clover sales history
Why we picked it
Clover is common in pizza shops that integrate retail (frozen pies, merchandise) alongside dine-in/takeout. Pre-qualified offers in the Clover dashboard. Single-fee structure, fast deposit, no FICO check.
The strength
Embedded in Clover dashboard (Fiserv-owned POS platform). Single fee structure like Square Capital. Repayment as percentage of daily Clover card sales. Strong fit for Clover-equipped restaurants, retail, salons.
The watch-out
Only available to Clover POS merchants. Eligibility controlled by Clover/Fiserv — can't apply. Less brand recognition than Toast Capital or Square Capital.
Qualifications
6 months
Clover processing volume drives offers
No FICO check — uses Clover sales history
#4 · Best fast non-POS-embedded working capital
Credibly
Max amount
$600K
Cost
Factor 1.11+ (MCA)
Speed
As fast as 4 hours
Min credit
550+
Why we picked it
When your POS doesn't have an embedded lender (or you've already maxed out Toast/Square offers), Credibly is the cleanest fallback. 550+ credit, 6+ months TIB, $15K+/mo revenue. Multi-product (MCA + LOC + term) covers oven repair, payroll bridges, or seasonal slow-period coverage. Funds in as fast as 4 hours.
The strength
March 2026 API V2 + Cloudsquare integration — most modern submission UX in MCA. $3B+ deployed, 60K+ SMBs. Publishes factor rates honestly (starting 1.11 for A-paper).
The watch-out
The 1.11 headline is the A-paper floor; average factor is closer to 1.32. ISO commission terms aren't public.
Qualifications
6 months
$15,000
550+
#5 · Best for credit-recovering pizzeria operators (500+)
Greenbox Capital
Max amount
$250K (MCA); other products vary
Cost
Factor varies
Speed
24 – 48 hours
Min credit
Flexible — accepts down to 500 on some programs
Why we picked it
Lowest credit floor for hospitality and food service. Industry-flexible — will fund single-location pizza shops at lower revenue thresholds than most generalist MCAs. Published ISO commission caps bound broker markup.
The strength
Five products under one roof: MCA, invoice factoring, equipment financing, collateral loans, LOC. White-label contracts let brokers run the deal under their own brand. Priority 1 status for new ISOs.
The watch-out
$250K MCA cap is below competitors. Marketing tilts broker-friendly more than merchant-transparent.
Qualifications
6 months
$15,000
Flexible — accepts down to 500 on some programs
#6 · Best SBA 7(a) for pizza shop build-out / acquisition / 2nd location
Live Oak Bank
Max amount
$25,000,000+
Cost
SBA 7(a) APR prime + 2.75% to 4.75%
Speed
30 – 90 days underwriting (SBA standard)
Min credit
680+ typical
Why we picked it
SBA 7(a) for full pizzeria build-out, buying an existing pizza shop, or opening additional locations. $150K-$2M typical. Deck ovens, hood systems, build-out, and working capital can all be wrapped into one SBA package. Prime + 2.75-4.75% APR dramatically beats MCA on any deal over $150K. 60-90 day timeline.
The strength
Largest SBA 7(a) lender in the US by dollar volume for 7+ consecutive years. Industry-specialty teams (veterinary, dental, funeral homes, self-storage, agriculture, hotels). Deep understanding of niche-vertical underwriting. Dramatically cheaper than MCA for qualifying merchants.
The watch-out
Long underwriting timeline (45-90 days typical). Requires strong credit (680+), 2+ years operating, clean financials. Industries outside their specialty get less attention.
Qualifications
24 months
$20,000+
680+ typical
Frequently asked questions
- Should I take Toast Capital or a standalone MCA for my pizza shop?
- Toast Capital almost always wins on convenience (no application, deposited inside Toast) and frequently wins on price for established pizzerias. Standalone MCA wins when you've maxed out Toast's pre-qualified offer or need larger capital than Toast will extend. Compare both — Toast publishes the fee directly in your dashboard so the math is transparent.
- How do I finance a $25K deck oven or conveyor oven?
- Beacon Funding or Currency Capital for equipment-secured financing (APR 8-22%, oven serves as collateral). Materially cheaper than MCA equivalent. Section 179 deduction usually applies. If the oven is part of a full build-out or kitchen renovation, wrap it into an SBA 7(a) loan via Live Oak instead — even cheaper.
- Can I get a loan to open a new pizza shop?
- SBA 7(a) via Live Oak is the cleanest path — designed exactly for this. $200K-$600K typical for a new-build pizza shop with deck ovens and hood system. Need a real business plan, 10-15% down, and personal credit 680+. Pre-revenue: SBA microloan via CDFI (Accion) or Kiva for $5K-$50K. Avoid MCAs pre-revenue.
- How much can I borrow as a 2-year-old pizza shop doing $50K/mo?
- Toast Capital: $20K-$125K based on Toast sales history (if on Toast). Square Capital: similar based on Square volume. Credibly: $30K-$150K MCA. Live Oak SBA: $150K-$600K if you can wait 60-90 days. Match yourself at /match to compare pre-qualified offers side by side.
Related reading
Methodology
How we chose
Ranking criteria
- Use-case fit — funder must qualify the merchant profile this page targets (credit, time-in-business, revenue, industry).
- Pricing transparency — published factor-rate or APR-equivalent disclosure outweighs marketing-only quotes.
- Speed-to-fund — verified time from signed contract to ACH deposit, not 'as fast as' marketing claims.
- Contract terms — daily/weekly debit structure, prepayment treatment, COJ / personal guarantee posture.
- Customer-experience signals — BBB profile, Trustpilot, ISO chatter, and direct merchant feedback collected via Fundnode applications.
Sources consulted
- Funder-published rate cards, contract templates, and disclosure pages (refreshed quarterly).
- Public regulatory filings — California DFPI commercial-financing disclosures, New York commercial-financing disclosure law filings.
- Direct merchant feedback collected through Fundnode's /qualify funnel (n > 200 since 2026-01).
- ISO desk operator interviews — anonymized commentary on approval patterns and stipulations.
Update cadence
Reviewed quarterly. Last updated 2026-06-24.
Conflict of interest
Fundnode may earn referral fees from funders listed on this page when merchants apply through us. Rankings are editorial and independent of fee economics — funders cannot pay for placement.