I run a Toast restaurant — which?

Toast Capital. Lower friction, lower effective cost, no FICO check. Use Credibly only if Toast offers are insufficient.

I'm a non-restaurant business — which?

Credibly. Toast Capital is restaurant-only.

What if I'm on Toast but my offers are too small?

Toast Capital offers are based on Toast processing volume. Build Toast volume for 3-6 months and offers grow. Alternatively, Credibly to supplement with non-POS-tied capital.

Credibly vs Toast Capital — honest comparison 2026

Both fund small businesses. They solve different problems. Here's the honest side-by-side, then five use-case verdicts so you don't have to guess.

The specs

CrediblyToast Capital

Product typeMulti-productMCA

Amount range$5K – $600K$5K – $300K

Cost (factor / APR)Factor 1.11+ (MCA); APR varies (term)Factor 1.13 – 1.36 (single fixed fee, no compounding)

Speed to fundAs fast as 4 hours1 – 3 business days after approval

Min time in business6 months6 months

Min monthly revenue$15,000Toast POS volume drives offers — typically $10,000+/mo processed

Min credit score550+No FICO floor — underwrites against Toast POS history

Products

MCA
Working capital LOC
Short-term term loan

Embedded restaurant working capital (Toast POS only)

Verdicts by use case

Restaurants on Toast POS — Winner: Toast Capital. Toast Capital is restaurant-specific, embedded in Toast Dashboard. No FICO check; single fee. Almost always better than generalist Credibly for Toast restaurants.
Restaurants NOT on Toast — Winner: Credibly. Toast Capital requires Toast POS. Credibly funds restaurants on any POS.
Non-restaurant businesses — Winner: Credibly. Toast Capital is restaurant-only. Credibly funds all industries.
Larger amounts ($250K+) — Winner: Credibly. Toast caps based on Toast volume (typically $5K-$200K). Credibly $5K-$600K.
Multi-product options — Winner: Credibly. Credibly offers MCA + LOC + term loan. Toast Capital is single product.

The honest takeaway

Credibly and Toast Capital solve overlapping but distinct problems. The right choice depends on three things you already know about your business: how fast you need the money, how long you've been operating, and whether the capital need is one-time or recurring.

Frequently asked questions

I run a Toast restaurant — which?: Toast Capital. Lower friction, lower effective cost, no FICO check. Use Credibly only if Toast offers are insufficient.
I'm a non-restaurant business — which?: Credibly. Toast Capital is restaurant-only.
What if I'm on Toast but my offers are too small?: Toast Capital offers are based on Toast processing volume. Build Toast volume for 3-6 months and offers grow. Alternatively, Credibly to supplement with non-POS-tied capital.