I run a restaurant on Toast POS — which?

Toast Capital. Pre-qualified offers in your Toast dashboard. No FICO check. Single-fee pricing usually beats Greenbox factor on equivalent capital.

I run a restaurant on Square POS — which?

Square Capital first (built into Square dashboard like Toast). Then Greenbox as backup if Square offers aren't sufficient.

I run a restaurant on no major POS — which?

Greenbox. POS-embedded options (Toast/Square/Clover) require you to be on those platforms. Greenbox underwrites via bank statements, not POS data.

Greenbox Capital 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

Greenbox CapitalToast Capital

Product typeMulti-productMCA

Amount range$5K – $250K (MCA); other products vary$5K – $300K

Cost (factor / APR)Factor varies by paper; published commission up to 19% to ISOsFactor 1.13 – 1.36 (single fixed fee, no compounding)

Speed to fund24 – 48 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 scoreFlexible — accepts down to 500 on some programsNo FICO floor — underwrites against Toast POS history

Products

MCA
Invoice factoring
Equipment financing
Collateral loans
LOC

Embedded restaurant working capital (Toast POS only)

Verdicts by use case

Restaurants on Toast POS — Winner: Toast Capital. Toast Capital is built specifically for Toast POS restaurants. No FICO check, pre-qualified from Toast sales data, embedded in dashboard. Much smoother than Greenbox application.
Restaurants NOT on Toast POS — Winner: Greenbox Capital. Toast Capital only available to Toast merchants. Greenbox funds any restaurant regardless of POS provider.
Non-restaurant businesses — Winner: Greenbox Capital. Greenbox funds across industries (trucking, construction, retail). Toast Capital is restaurant-only.
Cheapest cost for established Toast restaurant — Winner: Toast Capital. Toast's single-fee structure (5-14% of advance) typically equates to lower effective cost than Greenbox MCA factor for qualifying Toast merchants.
Larger deal amounts — Winner: Greenbox Capital. Toast Capital caps based on Toast volume — typically $5K-$200K. Greenbox $5K-$250K with more flexibility on larger deals.

The honest takeaway

Greenbox Capital 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 restaurant on Toast POS — which?: Toast Capital. Pre-qualified offers in your Toast dashboard. No FICO check. Single-fee pricing usually beats Greenbox factor on equivalent capital.
I run a restaurant on Square POS — which?: Square Capital first (built into Square dashboard like Toast). Then Greenbox as backup if Square offers aren't sufficient.
I run a restaurant on no major POS — which?: Greenbox. POS-embedded options (Toast/Square/Clover) require you to be on those platforms. Greenbox underwrites via bank statements, not POS data.